Gérer un sinistre ne se résume pas à appeler son assureur et attendre la suite des choses. En cas de sinistre, seriez-vous prêt à y faire face?
Le coût des matériaux de construction a augmenté considérablement depuis mars 2020, date du début d'une pandémie qui n'a pas dit son dernier mot. Cela pourrait jouer des tours à certains syndicats de copropriétaires, dont l'immeuble pourrait se retrouvé sous-assuré en cas de sinistre.
After being victims of a loss, the members of the board of directors and the affected co-owners are often caught off guard. How will things unfold? There is no need to worry or panic, because in principle, once the notice of loss completed, various stakeholders get involved: the insurer of the syndicate, but also that of co-owners and lessees, who will respectively designate their own claim adjuster. Generally the co-owners affected by a loss, as well as the syndicate, believe that making a claim is always the right thing to do. This is true in many cases, but sometimes the syndicate might want to refrain from doing so.
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.
Water damage has just occurred in my private portion.
Question: Should I call my insurer, my plumber or my lawyer?
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