Insurance

Questions & Answers

20 Articles

lock
You need to have an account to read this article

Is a syndicate of co-owners required to sign a discharge to receive compensation from its insurer?

We suffered water damage caused by a broken pipe that is located in the common portions. Several private portions were damaged. Our insurer is willing to compensate the syndicate as long as it signs a release beforehand. Questions: Is the board required to sign such a release? What are the consequences of not signing such a receipt?  What are the syndicate's rights and remedies against its insurer?...

Insurance
{alt}
lock
You need to have an account to read this article

Compensation for improvements to a private portion

We have a co-owner who has to replace his bathroom vanity because of water damage that has deteriorated it. Our syndicate of co-owners is insured for this type of loss, subject to an insurance deductible of $ 2500. The co-owner is insured for improvements made to his private portion. He opened a claim file with his insurer. However, the cost of replacing your vanity unit is lower than our deductible. It should be noted that…...

Insurance
lock
You need to have an account to read this article

Failure by a co-owner to insure: the consequences.

I just suffered a major disaster caused by the breakage of the water supply pipe in my neighbour's shower. The water damage significantly affected my apartment and movable property. I had to be relocated for more than a month to the hotel. To make matters worse, I was not insured for this damage. However, I do not know if the defective pipe is in the common portion of the building or in the private portion…...

Insurance
lock
You need to have an account to read this article

Additional insurance premium: can we blame the offending co-owner?

A co-owner has repeatedly caused several water damages  in our building, due to his negligence. This resulted in a surcharge for the syndicate's insurance.   Question:  Can the board of directors claim the full amount from the co-owner who caused the loss?...

Insurance
{alt}
lock
You need to have an account to read this article

Proportional Rule: What is it?

Question: We suffered water damage. Three apartments, including mine, were affected by the breakdown of a water heater. The co-ownership’s insurer refuses to compensate us completely, claiming that our syndicate has paid too low a premium compared to the true risk insured. More specifically, it appears that the directors took out inadequate insurance cover with a reference to a rule proportional to 80%. I do not understand that. Is the insurer right not to fully compensate…...

Insurance
lock
You need to have an account to read this article

Water damage - payment of the deductible

Question: I am a co-owner. Can the syndicate of co-owners claim the amount of the deductible for the insurance if I am responsible for the water damage?...

Insurance
{alt}
lock
You need to have an account to read this article

Fonds d’auto assurance: montant additionnel raisonnable

Le fonds d’auto assurance est affecté au paiement des franchises prévues par les assurances souscrites par le syndicat et d'un montant additionnel raisonnable Questions : Qu'est-ce qu'un montant additionnel raisonnable? Comment fait-on pour connaitre la somme additionnelle? On doit se fier sur quoi exactement pour définir la somme additionnelle?...

Insurance
lock
You need to have an account to read this article

Co-owner's liability insurance certificate

Although the law (1064.1 of the Civil Code of Quebec) and our declaration of co-ownership are explicit, there are still some co-owners who refuse to provide the board of directors with proof of insurance. Questions: What means does the syndicate have to obtain this evidence? How do we enforce this section of the Civil Code of Quebec? Is there a government agency that has the authority to demand that evidence?...

Insurance
{alt}
lock
You need to have an account to read this article

Reduction in insurance premiums

How do I lower my home insurance premium?...

Insurance
lock
You need to have an account to read this article

Co-owner’s request of proof of insurance

Question: Can a co-owner require the board of directors to provide proof of the building’s insurance?...

Insurance
arrow_right_alt
page 2 of 2