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29/10/2025
On Wednesday, October 29, 2025, Condolegal’s webradio addressed an important topic in co-ownership: understanding your syndicate’s insurance contract. As usual, this program was hosted by Valéry Couture, co-ownership manager and CEO of Condo Stratégis. For this edition, we welcomed two panelists: Charles-Antoine Carra, damage insurance broker at Fort assurances, who shared his expertise on this essential but often misunderstood subject. Catherine Pépin, partner and director of the property management department at HPDG, who provided concrete…...
29/09/2025
The Court of Quebec recently rendered a judgment concerning the Syndicate of co-owners of 575, Lucien-L’Allier, which claimed $11,899.80 from a co-owner following water damage originating from his private portion. Two weeks after the installation of a dishwasher, a defective shut-off valve located under the kitchen sink caused a leak that required cleaning, decontamination, and repair work. As these costs were lower than the deductible of the syndicate’s insurance, the syndicate had to assume 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 article, some are now considering banning the rental of certain units altogether, hoping to reduce the number of claims—and the financial fallout they trigger. Read…...
12/05/2025
A judgment rendered on April 17, 2025, by the Court of Québec in the case Syndicat des copropriétaires du Château Nasso c. Setareh (2025 QCCQ 1286) strongly reaffirms the legal obligations incumbent upon co-ownership syndicates regarding the maintenance and repair of both common and private portions. This decision is part of a growing body of case law that underscores the need for syndicates to strictly comply with their duties toward co-owners, particularly with respect to the…...
13/04/2025
On March 18, 2025, the Court of Québec – Small Claims Division – issued a particularly insightful judgment in the area of divided co-ownership. In this case, a co-owner was claiming $15,000 from her syndicate of co-owners following the tragic death of her tenant in the unit she owned. According to her, the death caused damage that required extensive cleaning and the replacement of the flooring, for which she believed the syndicate should bear the…...
06/02/2025
It is with deep sadness that we announce the passing of Pierre Gravel, a respected insurance broker and an essential figure in the field of co-ownership. His passing on January 31, 2025, at the age of 89, represents an immeasurable loss for our community. An unwavering commitment to Syndicates of co-owners A meticulous and visionary professional, Pierre Gravel dedicated several decades to advising co-ownership syndicates with exceptional expertise. He had an in-depth understanding of their…...
19/01/2025
The Regroupement des gestionnaires et copropriétaires du Québec (RGCQ) is proud to highlight the recent appointment of Ms. Annie Gosselin as Director of Fort Assurance, located in Quebec City. This recognition reflects Ms. Gosselin's outstanding career, which has established her as a key figure in the field of co-ownership insurance in Quebec. An unmatched expertise in co-ownership insurance For several decades, Ms. Gosselin has developed deep expertise in co-ownership insurance. She has supported co-owners’ boards in…...
14/12/2024
Two recent rulings by the Court of Québec underscore the significant difficulties syndicates encounter when attempting to recover insurance deductibles for damages caused by tenants, highlighting not only the legislative and practical shortcomings in claims management but also the broader implications of these challenges, which persist despite amendments to article 1074.2 of the Civil Code of Québec, ultimately threatening the financial stability of co-ownership properties and raising critical questions about tenant liability and the mechanisms available…...
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 in their unit. This decision sheds light on the complexities of proving liability in such cases and highlights several recurring issues regarding co-owner responsibility and…...
02/09/2024
The earthquake that occurred on September 1, 2024, with an estimated magnitude of 4.6 and an epicenter in Pierreville, has starkly reminded us of the importance of adequate insurance coverage for condominiums in the event of earthquakes. This event, felt from Quebec City to Montreal, highlighted the vulnerability of condominiums to seismic risks, a danger often underestimated. Although the damage was limited this time, it underscores the need for better preparedness for future seismic incidents.…...
