Made for the insurer to deny that one or more coverages of the insurance policy (s) are applicable. The reasons relied upon by the insurer relate to it, since the latter is, in principle, deprived of the right to invoke other grounds.
The Law and the overwhelming majority of declarations of co-ownership require that syndicates of co-owners insure their building. This may seem surprising at first glance as the syndicate does not own the private portions nor the common portions. However, its object is to ensure the preservation and the longevity of the building and to manage and administer it diligently following the rules of the trade. This is why legislator have given to the syndicate an insurable interest and has made it compulsory that it subscribe building insurance.