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Protection offered by the insurance policy under reserve of the conditions provided in the policy, its exclusions and limitations.
27/06/2025
In vertical co-ownership, each apartment is represented by an air volume registered in the cadastre. This volume defines what each co-owner owns. The land and the structure of the building (foundations, load-bearing walls, roof) form the common portions, also identified in the cadastre. But what happens if the building is…...
25/05/2024
The additional premium is a premium that is added to the existing premium. It results from a worsening of the risk or from the assumption of a new risk. This additional premium may be imposed during the course of a contract or upon its renewal. Risks are analyzed according to…...
16/05/2024
A co-owner may incur liability toward the syndicate, the other co-owners or occupants of the building, and even toward third parties. As provided in article 1457 of the Civil Code of Québec, every person has a duty not to cause harm to others. As a co-owner, you must act prudently…...
08/03/2024
When water damage occurs in common portions or the private portions, the syndicate of co-owners must act quickly to implement appropriate emergency measures. It is essential to immediately report the loss to the syndicate's insurer. After an assessment of the damages by a claims adjuster, it is advisable to hire…...