Definition : Insurance - Notice of loss

Written or oral statement that an insured sends to his insurer, claims adjuster or insurance broker serving as an intermediary, in relation to a loss likely to involve one of the guarantees of the insurance contract. It must be made by the insured, as soon as he becomes aware of the claim, or by any interested party.

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When water damage comes from the common or private portions, any syndicate of co-owners must take the appropriate urgent measures. It will be necessary to dry up the source of the damage, as much as possible, and then move on to the other most pressing steps. The claim must be reported immediately to the insurance companies, namely those of the syndicate and the co-owners concerned. And once the claim adjuster have completed their work, it is important to hire a contractor to make the necessary repairs.  
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The juridical personality of the syndicate is distinct from the one of the co-owners and directors. His acts are binding only on himself, besides for the exceptions provided by law. The faults committed by the syndicate have consequences only on its own civil liability and not on the directors. Under these conditions, they are held harmless by the syndicate and assume no responsibility for any costs, expenses, charges or losses they have incurred for the administration of the building and the syndicate. This is the basic principle, but it is important to bring several nuances to it. Indeed, a director must never lose sight of the interest of the community of co-owners.
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Un nouveau marché se développe dans le domaine de la copropriété divise, à savoir celui de l'expert en sinistre indépendant. Tout syndicat de copropriétaires peut faire appel à ses services, lorsque son assureur n'est pas impliqué au dossier. Cela se produit, immanquablement, si le coût pour réparer les dommages est inférieur à celui de la franchise d'assurance du syndicat.
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Depuis l'entrée en vigueur du Chapitre bâtiment du Code de sécurité, le 18 mars 2013, les normes concernant la sécurité incendie sont plus strictes. Notamment au sein des immeubles détenus en copropriété divise, qui sont considérés comme des lieux de sommeil. Or, il appert que plusieurs syndicats ne sont pas à la page en cette matière.
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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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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?
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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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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.  
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Water damage has just occurred in my private portion. Question: Should I call my insurer, my plumber or my lawyer?
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