Violent atmospheric disturbance characterized mainly by a strong wind which is often accompanied by torrential rains or strong snowfalls. The damages caused by a storm are covered under a property insurance contract taken out by a syndicate of co-owners in accordance with the third paragraph of article 1073 of the Civil Code of Quebec, unless the insurance policy or a rider sets out, expressly and in clearly legible characters, which of those risks are excluded.
The Law and the overwhelming majority of declarations of co-ownership require that syndicates of co-owners insure their building. This may seem surprising at first glance as the syndicate does not own the private portions nor the common portions. However, its main object is to ensure the preservation and the longevity of the building and to manage and administer it diligently following rules of the trade. This is why the legislator has given to the syndicate an insurable interest and has made it compulsory that it subscribe building insurance.