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Insurance covering the total or partial loss of the insured property by a covered and not excluded risk (e.g. Accidents, fire, theft etc.).
27/05/2024
Our syndicate of co-ownership will soon undertake repair work on the building's garage slab. As a director, we consulted an engineer to prepare a cost estimate. We are now at the stage of initiating the work. Given the significant costs involved, we have questions about choosing the contractor. It is…...
25/05/2024
The insurance premium is the amount that the insured must pay, either monthly or annually, to benefit from the coverage provided by the iinsurance policy in case of a loss. It is a cost associated with the maintenance, upkeep, and administration of the building. Although the co-ownership syndicate is responsible…...
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
Household property insurance protects your belongings and personal effects against risks such as theft, fire, and water damage. It covers all your personal items: electronic devices (televisions, laptops, game consoles), clothing and accessories (jewelry, watches, glasses), appliances (refrigerators, washing machines), furniture (beds, sofas, tables), entertainment items (books, games, sports equipment),…...
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…...
27/04/2024
The law obliges syndicates of co-owners to insure their immovable; the majority of declarations of co-ownerships also have such requirement. This can be explained by the syndicate's main objective which consists to ensure the preservation of the immovable and its longevity; this is why the legislator has given to the syndicate an insurable interest and has made it…...
09/08/2022
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…...
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…...
15/12/2020
Le mercredi 9 décembre 2020, la Webradio de Condolegal.com était entièrement dédiée à un sujet complexe en copropriété: l'article 1074.2 du Code civil du Québec et les recours judiciaires possibles. Les sinistres qui proviennent d'une unité, au sein d'une copropriété, obligent bien souvent un syndicat à payer la franchise pour faire…...
21/07/2020
Le mercredi 15 juillet 2020, la Webradio de Condolegal.com s'est intéressée aux assurances du copropriétaire. En tant que copropriétaire, celui-ci peut être confronté à une multitude de risques pour lesquels il est dans son intérêt d'être assuré. Il a l'obligation légale, tout comme le syndicat de copropriétaires, de souscrire au minimum une…...