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Provision by which an insurer undertakes to indemnify an insured (or a third party) upon the occurrence of an uncertain and aleatory event called “risk” conditionally upon the payment of an insurance premium.
05/03/2026
In this Condolegal video capsule entitled “Insurance in Horizontal Co-ownership,” Me Yves Joli-Cœur, emeritus lawyer in co-ownership law, explains the specific features of the insurance regime applicable to this type of co-ownership and the common mistakes to avoid. At first glance, horizontal co-ownership may resemble a group of single-family homes.…...
11/02/2026
When purchasing a divided co-ownership property, many buyers mistakenly believe that the notary’s work and the delivery of documents are sufficient to guarantee a risk-free, complete, and fully secure transaction. Yet, even in a well-regulated context such as co-ownership, certain irregularities may persist and only come to light after the…...
08/07/2025
As Quebec grapples with an unprecedented housing crisis, another, quieter but equally troubling issue is emerging: the growing instability of co-ownership insurance. Skyrocketing premiums, higher deductibles, and outright insurance refusals are pushing many syndicates of co-owners to adopt restrictive measures in an effort to remain insurable. According to a recent…...
10/09/2024
According to my home insurance, if the description of the private portions has not been approved at a meeting of co-owners, the improvements made to my private portion would not be covered in the event of a loss. This surprises me, as I understood that in 2018, the syndicate’s only…...
28/05/2024
Article 1039 of the Civil Code of Quebec provides that the community of co-owners, as a legal entity, has the mission of preserving the building, maintaining, and managing the common portions. This article also states that the syndicate of co-owners must ensure the execution of the necessary work to prevent the…...
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…...
23/05/2024
Legal expense insurance is an essential protection for co-owners offering partial or full reimbursement of lawyers' or notaries' professional fees with the objective of preventing or resolving a dispute; although this insurance has conditions, deductibles and limits, it can be a major asset in the event of a conflict. Insurance companies offering this…...
22/08/2023
22 août 2023 - Un devoir fondamental d’assurer l’entretien et la conservation de l’immeuble s’impose aux administrateurs de tout syndicat de copropriété; c’est d’ailleurs là leur mission première. Il en découle l’obligation de pourvoir aux coûts engendrés par ces travaux. Voyons donc quelles sont les principales sources de financement des…...
16/07/2020
Whether semi-detached or row, the townhouse is a good compromise between the typical co-ownership apartment and the single-family home. This type of project is established in "horizontal co-ownership". Each of the fractions is composed of a private portion (usually a house) and a share of common portions (the land). Each co-owner…...