Definition : Insurance - Exclusions

Risks or property not covered by the insurance policy (for example, floods or earthquakes). These exclusions are described in the insurance policy.

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Le fonds d’auto assurance est affecté au paiement des franchises prévues par les assurances souscrites par le syndicat et d'un montant additionnel raisonnable Questions : Qu'est-ce qu'un montant additionnel raisonnable? Comment fait-on pour connaitre la somme additionnelle? On doit se fier sur quoi exactement pour définir la somme additionnelle?
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Water damage is the leading cause of loss in co-ownership. It is more and more costly, for syndicates and their insurers. In the last ten years, occurrences of water damages in co-ownership have more than doubled. Lack of maintenance, sub-standard construction and climate changes are the main culprits. In most cases water damage affects equally common and private portions, thus it is one of the most complex loss to adjust.  
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The insurance of the syndicate does not cover every possible risk as it contains exclusions and deductibles. To mitigate the risks, it is possible to subscribe complementary riders to the insurance policy. Their purpose is to extend – for higher insurance premiums – the insurance coverage and the limit of the indemnities, such as:
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