Document by which the insurer confirms the existence (at the date of delivery) of a policy in favor of the insured and in which the insurance coverages are summarized.
Contrary to other jurisdiction, Québec Law does not compel a lessee to subscribe “home insurance” which, in the event of a loss, covers his property and his civil liability. This “negative-obligation” becomes a problem if your lessee causes damages to a third party and he is not insured. In such cases, the declaration of co-ownership can hold you (the co-owner) solidarily liable for the damages he has caused.
Your lessee is liable for any damages he causes during the term of the rental. Civil liability insurance covers him against material damages or bodily harm he may inflict (unintentionally) to third parties, and against faults committed by persons he accommodates or lodges in his dwelling. This insurance also covers damages that his property may cause to third parties. For example, it will cover water damage to your apartment generated by an overflowing washing machine, and also in a neighbor’s apartment.
Question: Can a co-owner require the board of directors to provide proof of the building’s insurance?
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As stated in Article 1457 of the Civil Code of Québec, every person has a duty not to harm others. As a co-owner, you must be careful and respect the appropriate rules of conduct to the context and circumstances. Otherwise, you engage your civil liability and are required to make financial reparation to third parties for moral or property damage and personal injury. Civil liability insurance protects you against your own damaging act or omission. This insurance covers many situations: