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01/10/2024
Recently, I was confronted with a situation that raises important questions regarding insurance in divided co-ownership. After a loss caused by torrential rains, a co-owner refused to allow the contractor designated by the insurer to intervene in their private portion, preferring to hire their own contractor. This case led me…...
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…...
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…...
15/03/2024
After a water damage, the ultimate goal of the syndicate and the co-owners is to find themselves in the same situation as they were before the occurrence of the loss. Due to its legal structure, the rehabilitation of common portions and private portions can be particularly complex in a divided co-ownership; this is why it should…...
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…...