Insurance covering many usual risks. In co-ownership, they could be theft, fire and water damage. However, it covers only the risks defined and within the limitations and conditions stipulated in the insurance policy and its riders.
Une nouvelle réalité frappe plusieurs syndicats de copropriétaires au Québec: la perte de leur assureur, et l'obligation, dans plusieurs cas, de se tourner vers le marché de l'assurance secondaire, où les primes et les franchises sont prohibitives.
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Les copropriétés qui perdent leur assureur ne sont plus des cas isolés. Si la plupart d'entre elles parviennent à en trouver un autre pour recadrer le risque, les primes et les franchises n'en demeurent pas moins substantielles.
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L'assurance du syndicat comporte plusieurs volets, dont celle des administrateurs et des officiers d'assemblée. Cette vidéo fait le tour des différentes couvertures propres à ce type d'assurance.
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The insurance premiums are the amount paid by the insured monthly or annually to benefit in the event of a claim from the guarantees in the insurance policy. It is an expense towards the preservation, maintenance and administration of the immovable. Although the syndicate assumes this cost, it is charged back to the co-owners as a portion of their common expenses (condo fees).
However, in recent years, there has been an increase in the amount of insurance premiums for most syndicates of co-owners. Two main factors are at issue: the general ageing of this stock of collective dwellings and the increase in claims caused by the failure to carry out maintenancework on the building. But the complexity of the insurance system also has its share of responsibility.
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