A bathtub or a washing machine that overflows into the apartment below, a hot water tank that conks out and spills down six floors: losses involving the civil liability of a co-owner are many co-ownerships. And they are expensive! This is why the amount of insurance premiums and deductibles have increased significantly in recent years.
Worse still, some insurers no longer want to insure co-ownerships, because of a loss ratio that has become out of control. This situation is directly related to the insurer of the syndicate, which is almost always called upon to cover a loss, when damage has been caused to the common and private portions. Thus the question of who is responsible arises. It is also necessary to know the applicable law to the owner at fault. Other considerations affect both the insurer of the syndicate and those of the co-owners concerned, to determine who will pay what?
La copropriété est un environnement propice aux conflits et aux échanges acrimonieux. Certaines personnes membres d’une collectivité de copropriétaires en sont parfois victimes. Cela peut notamment se produire lors d’une assemblée générale annuelle, lorsque les esprits s’échauffent et que les frustrations sont à leur comble. Conflits larvés entre un copropriétaire et un administrateur, profond désaccord au sujet d’une résolution mise au vote, débordements à la suite d’une tension insoutenable sont autant d’exemples qui illustrent qu’en pareilles situations, des propos diffamatoires ou injurieux peuvent être exprimés.
The co-owners have a legal proceeding when they oppose decisions taken by the general meeting of co-owners. They generally seek to contest decisions they consider unjustified. In order to promote the stability of the decisions made at the general meeting, the legislator allows such recourse only in certain circumstances. Thus, Article 1103 of the Civil Code of Québec provides that any co-owner may apply to the court to annul or, exceptionally, to amend a decision of the general meeting if the decision is biased, if it was taken with the intent to injure the co-owners or in contempt of their rights, or if an error was made in counting the votes.