Definition : Insurance - Improvements made to a private portion

Work completed in a private portion and which have the effect of increasing its value by the addition of certain components or the use of higher quality materials to those included or provided during construction.

WHAT YOU SHOULD KNOW! Article 1070 C.c.Q. provides the obligation for a syndicate to keep at the disposal of the co-owners "a description of the private portions that is sufficiently precise to allow any improvements made by the co-owners to be identified". It is also provided that the same description may be valid for several private portions, when they have the same characteristics. This description is commonly referred to as a "reference unit".

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In your haste to finalize the offer to purchase, you may forget to ask the co-owner/vendor if since his purchase, improvements have been carried out in the apartment. This question is of the outmost importance as it will allow you, if this is the case, to find out if they have been carried out correctly and legally.
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The insurance of the syndicate covers your private portion, with the exception of the improvements in your unit. You must therefore subscribe (on an individual basis) insurance coverage for any such improvements.
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The duties and obligations of a syndicate are determined by law and the declaration of co-ownership. However, it is essential to fully understand those duties and obligations as their non-compliance towards a co-owner or another person could engage the civil responsibility of a syndicate. Those duties and obligations are mainly aimed to ensure the preservation of the immovable, the administration of the common portions and the protection of the rights affecting the immovable or co-ownership, as well as all operations in the common interest.
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