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Insufficiency of the amount declared to the insurer at the time of subscribing the insurance policy, in relation with the actual value of the insured immovable. In case of loss, it generally gives rise to an indemnity reduced to:
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…...
09/08/2022
Most declarations of co-ownership compel you, as a co-owner, to take out and maintain in force civil liability insurance and insurance for your movable property and the improvements to your private portion. But beyond these often mandatory insurance coverage, you can also purchase optional complementary insurance. Be aware that this…...
11/06/2021
The self-insurance fund is allocated to the payment of the deductibles provided for under the insurance policies taken out by the syndicate and to an additional reasonable amount. Questions: What is an additional reasonable amount? How do we determine the additional sum? What exactly should we rely on to define…...
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…...
09/08/2022
June 28th, 2020 - The law concerning co-ownership insurance has undergone major changes since June 2018. Section 1070 of the Civil Code of Quebec now contains a third paragraph, which provides that the syndicate keeps a sufficiently precise description of the private portions available to the co-owners, for insurance purposes, so that the improvements made by…...