Definition : Insurance - Reference unit

Technical factsheet intended to describe the original layout of a private portion. It must be sufficiently detailed, to identify the improvements the co-owners may have carried out therein. The same description may be valid for several private portions when they have the same characteristics. This technical factsheet must be filed in the register of co-ownership. It must be made available to any co-owner who requests it.

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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 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 main object is to ensure the preservation and the longevity of the building and to manage and administer it diligently following rules of the trade. This is why the legislator has given to the syndicate an insurable interest and has made it compulsory that it subscribe building insurance.  
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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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