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In our building, we have several co-owners who rent out their apartments. As members of the Board of Directors, we often find ourselves in meetings, discussing and questioning the specifics of their insurance obligations related to this rental activity. Questions arise: Are there any special insurance rules for condo owners who rent out their units? Do they need to take out additional insurance to cover themselves adequately? Or is it possible, on the contrary, to…...
As a co-owner of an apartment that I have been renting out for several years, I find myself facing recurring questions regarding my tenant's insurance. Previously, I did not systematically require proof of rental insurance. However, alarming stories of incidents in other co-ownership properties, resulting in significant damages and complex legal proceedings, have led me to reconsider my stance. Questions: Is it wise to demand that my tenant subscribes to liability insurance coverage? Can I require…...
Last night, upon returning from work, I was faced with a disaster. As soon as I opened the door, the sound of running water alerted me. The bathroom had turned into a pool, with the pipe under the sink having burst. After shutting off the water supply, the urgency of contacting my insurer or a plumber became apparent. Should I also notify the administrators or the manager, considering the risk to adjacent apartments? The extent…...
During our return from vacation, I noticed that the door to our apartment had been forced open and we had been the victims of a burglary. I contacted a member of the board of directors to inform them of our misfortune. They indicated that a series of thefts had occurred in the building. Some apartments had been ransacked. Fortunately, that was not the case for us. Question : Under these circumstances, what should I do?...
We had water damage that damaged an apartment. The board has agreed to pay for the repairs, but we're having trouble agreeing with the co-owner on the scope of the paint job in his apartment. We offered the co-owner the restoration of the damaged wall, but the co-owner wants all the walls of his apartment (having the same color as the damaged one) to be repainted, in order to ensure uniformity in color. I understand…...
We suffered water damage caused by a broken pipe that is located in the common portions. Several private portions were damaged. Our insurer is willing to compensate the syndicate as long as it signs a release beforehand. Questions: Is the board required to sign such a release? What are the consequences of not signing such a receipt? What are the syndicate's rights and remedies against its insurer?...
We have a co-owner who has to replace his bathroom vanity because of water damage that has deteriorated it. Our syndicate of co-owners is insured for this type of loss, subject to an insurance deductible of $ 2500. The co-owner is insured for improvements made to his private portion. He opened a claim file with his insurer. However, the cost of replacing your vanity unit is lower than our deductible. It should be noted that…...
A co-owner accidentally broke down the garage door with his vehicle. This needs to be changed completely. His insurer offers to compensate us only partially. This one offers us to pay 90% of the bill because of the depreciation. Question: Are we required to accept this proposal? Answer: Technically yes. The basis of a claim for compensation as a result of damage caused by a co-owner to the common or private parts is civil liability, which may…...
I just suffered a major disaster caused by the breakage of the water supply pipe in my neighbour's shower. The water damage significantly affected my apartment and movable property. I had to be relocated for more than a month to the hotel. To make matters worse, I was not insured for this damage. However, I do not know if the defective pipe is in the common portion of the building or in the private portion…...
Le fonds d’auto assurance est affecté au paiement des franchises prévues par les assurances souscrites par le syndicat et d'un montant additionnel raisonnable Questions : Qu'est-ce qu'un montant additionnel raisonnable? Comment fait-on pour connaitre la somme additionnelle? On doit se fier sur quoi exactement pour définir la somme additionnelle?...