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22/10/2025

Water heaters and law 16: Protecting the value of your co-ownership

Since the coming into force of the Regulation establishing various rules regarding divided co-ownership, syndicates of co-owners must now provide a certificate on the status of the co-ownership. Among the required information is, among other things, the list of losses that have affected the common portions as well as the private portions subject to a sale during the past five years. However, the increase in claims can harm the reputation of a co-ownership and reduce its appeal for future buyers. Co-owners therefore have every interest in preventing risks, notably by monitoring the condition of their water heater and ensuring that installations are carried out by qualified professionals using reliable products....

Gestion

18/10/2025

When ten years don’t mean ten years: Interpreting article 154 of Bill 16

Article 154 of Bill 16, adopted in 2019, continues to raise many questions in the field of co-ownership. This transitional provision, which grants syndicates a period of “up to ten years” for their contingency fund to become “sufficient,” appears clear at first glance. In practice, however, it raises significant interpretative issues with direct consequences on the financial planning of syndicates and on the ability of co-owners to contribute to replenishing a contingency fund that has often been undercapitalized for many years. It remains essential to clarify its intent to ensure consistent application across all co-ownerships....

Travaux

17/10/2025

Managing workplace absenteeism

Absenteeism in the workplace is a sensitive issue for any employer, including a syndicate of co-owners that employs maintenance, janitorial, or administrative staff. When an employee is repeatedly absent — particularly on Mondays and Fridays — or provides vague medical notes such as “Off work for one week” or “Seen at the clinic – follow up in 3 days,” the director faces a dilemma: how can efficient management of work be reconciled with respect for the employee’s fundamental rights? This situation requires both prudence and fairness in handling each case. It also calls for a clear internal policy to ensure consistency, transparency, and compliance with labour standards....

Gestion

09/10/2025

A reform for all, even for small syndicates

Le mois dernier, Yolande m’a contactée au sujet de la vente de sa maison de ville. Présidente d’un syndicat de trois copropriétés partageant une seule entrée d’eau et une mince bande de terrain, elle se dit dépassée par les nouvelles obligations issues de la réforme de la Loi sur la copropriété divise. Son problème : un copropriétaire refuse de payer sa part pour l’étude du fonds de prévoyance et le fonds d’auto-assurance. Même si le montant est limité, il soulève une question fondamentale : le refus d’un copropriétaire peut-il bloquer le respect des obligations légales du syndicat? Last month, Yolande contacted me about selling her townhouse. As president of a syndicate of three co-ownerships sharing a single water inlet and a narrow strip of land, she feels overwhelmed by the new obligations stemming from the reform of the law on divided co-ownership. Her problem: one co-owner refuses to pay his share for the contingency fund study and the self-insurance fund. Even if the amount is small, it raises a fundamental question: can a co-owner’s refusal prevent the syndicate from fulfilling its legal obligations?...

Syndicat

05/09/2025

Preparing your condo for sale: the art of the first impression

When putting your condo up for sale, first impressions are often decisive. In a market where buyers compare multiple properties online before even booking a viewing, photos become your calling card. A well-prepared condo stands out, attracts more buyers, and can even sell faster... and for a better price....

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04/09/2025

Law 16 and water damage: is your building losing its value (and its insurance) without you knowing it?

The direct impact on insurance: prevention is now essential With the recent introduction of the regulations of Law 16, prevention has been strengthened. Insurers no longer consider only claims history, but also the proactive measures taken by syndicates in terms of risk management. For example, a building equipped with water shutoff systems demonstrates a commitment to active prevention, which is viewed favorably when calculating premiums. In some cases, their installation even becomes a mandatory condition for coverage renewal, particularly in high-risk buildings....

Assurance

13/08/2025

A structural reform to benefit co-ownership buyers

As of August 14, 2025, a new regulation implementing Bill 16 (adopted in 2019, supplemented in 2024 by Bill 31) will come into effect, strictly regulating divided co-ownerships. It introduces three major requirements: the maintenance log, the study of the contingency fund, and the syndicate's certification. These tools strengthen transparency, proactive management, and financial protection for Quebec buyers and co-owners....

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21/07/2025

Certificate attesting to the condition of the co-ownership and real estate transaction

As buying a property is the biggest financial investment that many people will make, they need to be well informed when making such a major decision. For the buyer to be sure that they are making the right choice, it's essential that they have certain information about the co-ownership at the time of the transaction. Bill 16, which was passed in December 2019, includes an important measure to help buyers make the right decision.  Article 1068.1 of the Civil Code of Québec, which which came into force on August 14, 2025 by government regulation, provides that the seller of a fraction must, in due time, give the promisor-buyer a certificate of the syndicate attesting to the condition of the co-ownership, whose form and content will be determined by this same regulation. This certificate must be provided to any co-owner who requests it within 15 days.   ...

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18/07/2025

Protection of personal information held by the co-ownership

The protection of personal information is becoming increasingly important in Québec, especially since the adoption of the Act to modernize legislative provisions as regards the protection of personal information (commonly known as Law 25), which primarily amends the Act respecting the protection of personal information in the private sector (hereinafter “the ARPPIPS”).  This update also affects syndicates of co-owners, which are now subject to strict obligations regarding the collection, storage and destruction of personal information. ...

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14/07/2025

Condo insurance in Québec: what every co-owner and potential buyer needs to know

Divided co-ownership, an increasingly popular form of property ownership in Québec, is based on a specific legal structure that comes with rights and responsibilities for both the co-owners and syndicates of co-owners. Among these responsibilities are the critically important, but often overlooked, obligations related to insurance coverage. Both the syndicates and individual co-owners are required to carry specific insurance coverage to comply with the law and protect themselves against various risks, such as water damage and fire. ...

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