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Compulsory insurance that covers the civil liability of a co-owner (or a member of his family), in particular because of moral, material damage or bodily injury that he could cause to third parties. This coverage is generally included in the home insurance policy taken out by the co-owner. The minimum compulsory amount of insurance is determined by government regulation.
01/07/2024
A bathtub or a washing machine that overflows into the apartment below, a water heater that conks out and spills down six floors: losses involving the civil liability of a co-owner are many co-ownerships. And they are expensive! This is why the amount of insurance premiums and deductibles have increased significantly in…...
01/07/2024
Renting your apartment to tourists, exposes you to various claims. This could be the case in cases where it is recognized that you are legally responsible for a guest who injures themselves or has their personal belongings damaged or stolen during their stay in your apartement. While some short-term…...
23/06/2024
Declarations of co-ownership generally include a clause that holds each co-owner responsible (towards the other co-owners and the syndicate) for damages caused by their fault or negligence and by the fact of a property for which they are legally responsible. In the case Syndicat de la copropriété 650 Marcel-Laurin c. Neng (2024…...
23/06/2024
The insurer of a co-owner responsible for water damage affecting the condo below proposes to reimburse the syndicate $20,000. The deductible for our co-ownership syndicate's insurance policy is set at $50,000, and according to an obtained repair estimate, the repair costs amount to $30,000. Questions: Why doesn't the responsible co-owner's…...
25/05/2024
Most insurance policies include deductibles, with amounts varying based on the insured risk. For example, the deductible for water damage is generally higher than that for fires. The purpose of the deductible is to make the insured responsible by having them cover part of the repair costs for damages caused by…...
16/05/2024
A co-owner may be liable to the syndicate, the other co-owners and the occupants of the immovable. As stated in Article 1457 of the Civil Code of Québec, every person has a duty not to harm others. As a co-owner, you must be careful and abide to the appropriate rules of…...
16/05/2024
As a co-owner, you may face a multitude of risks for which it is in your best interest to be insured. You have the legal obligation, just like the syndicate of co-owners, to take out at least liability insurance, which covers unintentional damage caused to others. In addition to this…...
28/04/2024
In our building, we have several co-owners who rent out their apartments. As members of the Board of Directors, we often find ourselves in meetings, discussing and questioning the specifics of their insurance obligations related to this rental activity. Questions arise: Are there any special insurance rules for condo owners…...
18/03/2024
In a divided co-ownership, most storage water heaters (electric or gas) play an essential role in the daily comfort of residents; typically installed inside the apartments, these devices are considered to be part of the private portions thus falling under the individual responsibility of each co-owner and so, it is imperative for them to ensure…...
12/03/2024
Water damages are the most frequent loss in co-ownerships (condominiums). The concept of water damage also includes the civil liability of the syndicate, the co-owner and the lessee (tenant) who could be responsible in the event of damages suffered by third party members; thus, the question of who is responsible for this constantly…...
01/01/2024
Dans cette capsule vidéo, l’avocat émérite Yves Joli-Coeur aborde un sujet crucial pour tout administrateur et copropriétaire: la récupération de la franchise lorsqu’un sinistre est généré par ce dernier dans l’immeuble. Il rappelle que les sinistres impliquant la responsabilité civile d’un copropriétaire sont nombreux et peuvent coûter cher. Que ce soit…...
11/12/2021
A co-owner accidentally broke down the garage door with his vehicle. This needs to be changed completely. His insurer offers to compensate us only partially. This one offers us to pay 90% of the bill because of the depreciation. Question: Are we required to accept this proposal? Answer: Technically yes. The basis…...
13/11/2021
Deux (2) jugements[1] récents rendus par l’Honorable juge Georges Massol, de la Cour du Québec, abordent l’article 1074.2 du Code civil du Québec et le sens qu’il faudrait donner à cette disposition introduite au Code civil du Québec en décembre 2018 et qui a été modifié en mars 2020. L’audition…...
02/10/2021
Le mercredi 29 septembre 2021, la Webradio de Condolegal.com était entièrement dédiée à un sujet complexe : l'assurance des copropriétaires (êtes-vous bien protégés?). La question des assurances pour les copropriétaires (assurance-habitation) est un sujet délicat, car peu de copropriétaires sont conscients que ce type de produits d’assurances n'est pas homogène d'un assureur à l'autre.…...
10/03/2021
Le mercredi 10 mars 2021, la Webradio de Condolegal.com s'est intéressée à la connaissance que les copropriétaires ont de l'assurance en copropriété. Un sondage du Bureau d'assurance du Canada a révélé qu'une grande partie des copropriétaires maîtrise mal les nuances de cette assurance, ce qui peut entraîner des conséquences financières…...
12/02/2021
Les copropriétés qui perdent leur assureur ne sont plus des cas isolés. Si la plupart d'entre elles parviennent à en trouver un autre pour recadrer le risque, les primes et les franchises n'en demeurent pas moins substantielles....
25/10/2010
The transfer of ownership will take place at the signing of the deed of sale, as well as the taking of possession which usually takes place on the same day. In return for the payment of the sum agreed to the seller, the buyer will have the full enjoyment of…...
09/08/2022
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?...