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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June 28th, 2020 - The law concerning co-ownership insurance has undergone major changes since June 2018.  Section 1070 of the Civil Code of Quebec now contains a third paragraph, which provides that the syndicate keeps a sufficiently precise description of the private parts available to the co-owners, for insurance purposes, so that the improvements made by the co-owners are identifiable. The same description may apply to several parties when they have the same characteristics.   
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For co-ownerships created before June 13, 2018, it is essential to adopt one or several descriptions of the private portions of reference before June 13, 2020.This will help avoid confusion as to what is covered by syndicate insurance on the one hand and that of the co-owners on the other. Consult the practical sheet Who has to insure the improvements made to private portion? to learn more about this subject.     
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In your eagerness to finalize your offer to purchase, you may forget to ask the co-owner-seller if, over time, work has been carried out in the apartment. Yet, this question is of the utmost importance as it will allow you to ensure, as the case may be, that it has been executed 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 the common portions of the immovable, as well as your private portion. In the event of a loss, it will not cover you for the improvements made to your private portion. It is your responsibility, therefore, to ensure that these improvements are adequately, by the means of an individual insurance. This is generally the case, if renovations have been carried out with material of a higher quality than the original one. Your insurance policy must cover the value of the improvements you have made yourself, as well as those made by previous co-owners.  
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