The representative of the insured generally mandated to evaluate the extent of damages, to assist him in the presentation of his claim with the insurer and to negotiate with the claims adjuster mandated by the insurer the amount of the indemnity to be paid. He must hold a “certificate d’expertise en règlement de sinistres” (expert certificate in settlement of loss) issued by the “Autorité des marches financiers” (Financial Market Authority) and be a member of the “Chambre de l’assurance de dommages” (Damage Insurance Chamber).
L'avocat émérite et secrétaire général du RGCQ, Yves Joli-Coeur aborde dans cette vidéo des réclamations pouvant survenir en copropriété.
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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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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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Co-ownership claims are numerous: water leak, water damage, vandalism, fire, etc. If the loss affects the common and private portions of the co-ownership, it is up to the board of directors to take care of the claim of loss with the insurer of the syndicate and the repair of the latter. Effective management of a loss requires the implementation of prompt and effective actions so that your building is repaired in the best delays. This article is a summary, of the precautions to be taken and a check list of things to do once you become aware of a loss, whether in a private or common portion of your immovable.
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In the event of a claim, the insured, whether a co-owner or a syndicate of co-owners, must declare its occurrence to his insurer. The latter will generally appoint a claims adjuster who will guide him through the steps of the claim. The claims adjuster may also be mandated by syndicates of co-owners. This reality is even more true because of the importance of the insurance deductibles, sometimes unreasonable, that they have to bear, leaving them with all the responsibility of managing the loss. Investigating the circumstances of a disaster, assessing the damage caused by a claim and negotiating a settlement are the three key functions of this certified professional.
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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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