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A type of accidental or unforeseen event covered by the insurance contract (for example, fire, water damage). A loss is compensable only if it causes material, bodily injury or moral damage.
27/10/2025
Irregular work affecting the common portions of the building or a malfunctioning toilet are quite frequent and damaging types of loss in divided co-ownerships. These events can sometimes cause very significant material damage to both private and common portions. When damages do not directly result from a breach of the declaration of…...
26/10/2025
In divided co-ownership, the contractual liability of a co-owner arises directly from the declaration of co-ownership, which constitutes the binding contract governing relations between the syndicate and all co-owners. Under article 1062 of the Civil Code of Quebec, this document “binds the co-owners, their successors and any persons who have…...
26/10/2025
An overflowing washing machine, a bathtub leaking into the unit below, or a water heater bursting and flooding several floors — losses are frequent in co-ownership properties, and their consequences are often costly. These events, sometimes unforeseeable, not only lead to significant repairs but also to complex disputes between co-owners,…...
27/06/2025
In vertical co-ownership, each apartment is represented by a volume of air registered in the cadastral survey. This volume defines what each co-owner possesses. The land and the building's structure (foundations, load-bearing walls, roof) form the common portions, which are also identified in the cadastre. But what happens if the…...
13/11/2024
A recent decision by the Court of Québec provides important clarifications for co-ownership syndicates seeking to recover insurance deductibles from co-owners in the event of a claim. In this ruling, the Court dismissed a syndicate’s request for a co-owner to reimburse a deductible of $50,014.13 following water damage that occurred…...
25/10/2024
Le mercredi 30 octobre 2024, la webradio Condolegal était entièrement dédiée à un sujet crucial pour toutes les copropriétés : L’intervention après sinistre en copropriété. Un dégât d’eau, un incendie ou une autre catastrophe peuvent rapidement devenir un casse-tête pour les copropriétaires et les gestionnaires. Mais que faire lorsqu’un sinistre frappe?…...
25/05/2024
After being victims of a loss, the members of the board of directors and the affected co-owners are often caught off guard. How will things unfold? There is no need to worry or panic, because in principle, once the notice of loss completed, various stakeholders get involved: the insurer of…...
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),…...
01/05/2024
Losses in co-ownership are numerous: water leaks, water damages, vandalism, fire, etc. Whether they affect the common portions or the private portions, they require rigorous and immediate management. When a loss affects the building, it is up to the board of directors to make the notice of loss to the…...
12/03/2024
Water damages are the most frequent loss in co-ownerships (condominiums). The concept of water damage also includes the civil liability of the syndicate, the co-owner and the lessee (tenant) who could be responsible in the event of damages suffered by third party members; thus, the question of who is responsible for this constantly…...
01/01/2024
Dans cette capsule vidéo, l’avocat émérite Yves Joli-Coeur aborde un sujet essentiel pour toute copropriété : la gestion des sinistres. Il souligne que la survenance d’un sinistre, en particulier un dégât d’eau important, n’est jamais une bonne nouvelle. En effet, un tel incident peut causer des dégâts durables à l’immeuble,…...
01/01/2024
Dans cette capsule vidéo, l’avocat émérite Yves Joli-Coeur aborde un sujet crucial pour tout administrateur et copropriétaire: la récupération de la franchise lorsqu’un sinistre est généré par ce dernier dans l’immeuble. Il rappelle que les sinistres impliquant la responsabilité civile d’un copropriétaire sont nombreux et peuvent coûter cher. Que ce soit…...
30/10/2023
Every step of a construction project is crucial to its success. The Square Cartier co-ownership, which has recently been the subject of a lot of media coverage, is the perfect example of a poorly planned construction project. Indeed, it seems that the preliminary phases of this project suffered from a…...
03/10/2023
Le mercredi 11 octobre 2023 (à 19h), lors de la traditionnelle webradio de Condolegal, il était question de la gestion des sinistres en copropriété. Un incendie, un dégât d’eau ou un acte de vandalisme en copropriété constitue des situations qui peuvent être complexes et stressantes tant pour les copropriétaires que…...
14/06/2021
La Webradio de Condolegal.com du mercredi 9 juin 2021 a abordé un sujet peu connu dans le domaine de la copropriété divise : celui des experts en sinistre indépendants. Tout syndicat de copropriétaires peut faire appel à leurs services, notamment, lorsque son assureur n’est pas impliqué dans le dossier. Cela se…...
14/06/2021
Le mercredi 2 juin 2021 à 19h00, nous nous sommes réunis pour une session enrichissante de la Webradio de Condolegal.com, dédiée aux systèmes d'alarme-incendie. Depuis l'entrée en vigueur du Chapitre bâtiment du Code de sécurité le 18 mars 2013, les normes concernant la sécurité incendie sont devenues plus strictes, notamment au sein des…...
24/03/2021
Le mercredi 24 mars 2021, la Webradio de Condolegal.com a abordé le thème de la gestion des sinistres en copropriété. Animée par François Cellier, cette édition a énoncé les démarches nécessaires après un incendie ou un dégât des eaux. L'accent a été mis sur l'importance du rôle du fiduciaire d’assurance et…...