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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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. In the absence of one or several descriptions made available to the co-owners by this deadline, the co-ownership will be deemed having no improvement as of October 31, 2017. This could lead to situations of insurance insufficiency, since components that were previously insured by the co-owners, will then automatically fall under the coverage of the Syndicate's insurance. In addition, this could lead to unfair situations for co-owners, by having insurance paid by some for the improvements of others. To the extent that the preparation of this description(s) will require a consultation and a vote of the co-owners gathered in a general meeting, you have only a few months left to attend to this matter at your next annual general meeting to be held in the summer or in the fall of 2019. At the 2020 general meeting, it will already be too late!  
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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 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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