Damage caused to a person in a voluntary or involuntary manner.The prejudice may be bodily, material or moral in nature.
A bathtub or a washing machine that overflows into the apartment below, a hot water tank that conks out and spills down six floors: losses involving the civil liability of a co-owner are many co-ownerships. And they are expensive! This is why the amount of insurance premiums and deductibles have increased significantly in recent years.
Worse still, some insurers no longer want to insure co-ownerships, because of a loss ratio that has become out of control. This situation is directly related to the insurer of the syndicate, which is almost always called upon to cover a loss, when damage has been caused to the common and private portions. Thus the question of who is responsible arises. It is also necessary to know the applicable law to the owner at fault. Other considerations affect both the insurer of the syndicate and those of the co-owners concerned, to determine who will pay what?
Co-ownership is an environment conducive to conflict and acrimonious exchanges. Some people who are members of a community of co-owners are sometimes victims. This can happen at an annual meeting, when spirits are heating up and frustrations are at their peak. Latent conflicts between a co-owner and a director, deep disagreement about a resolution put to the vote, excesses following an unbearable tension are all examples that illustrate that in such situations, defamatory or insulting remarks can be expressed.
Co-ownership is not always a long quiet river
Life in co-ownership is not always easy. Never mind, we must remain calm in all circumstances, in order to avoid unproductive slippages that could lead to the court. Whether expressed consciously or not, defamatory statements and their consequences vary according to various criteria. Legally speaking at least. It is better to avoid being prosecuted for this reason, because it would result in a toxic climate in the building, not to mention possible sequelae that would poison the lives of the people concerned.
A co-owner may be liable to the syndicate, the other co-owners and the occupants of the immovable. As stated in Article 1457 of the Civil Code of Québec, every person has a duty not to harm others. As a co-owner, you must be careful and abide to the appropriate rules of conduct in accordance with the context and circumstances. Otherwise, you engage your civil liability and are required to remedy (financially third parties for moral or property damage and personal injury.Therefore, co-owners must take out civil liability insurance covering in particular claims arising from their private portion.