Definition : Theft

An offence defined in section 322 (1) of the Criminal Code includes "depriving, , temporarily or absolutely, the owner of it, or a person who has a special property or interest in it, of the thing or of his property or interest in it. In other words, it is the act of fraudulently seizing property that belongs to someone else in a fraudulent manner and without the appearance of right. Damage caused by theft is 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.

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When we returned from vacation, I found that the door of our apartment had been forced open and that we had been robbed. I contacted a member of the board of directors to inform him of our misadventure. He told us that a series of thefts had taken place in the building. Some apartments were reportedly ransacked. Luckily this is not our case. Question: Under the circumstances, what should I do?
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This insurance covers the movable property and personal belongings in your private portion. To determine its value, one must make an inventory and carry out an evaluation. Invoices will be an invaluable tool for this exercise and crucial to make the right calculations. These must always refer to the replacement value of the movable effects, even if they are used and / or were acquired several years ago. For valuable items such as carpets, paintings, jewelry and antiques, it would be prudent to take pictures and have them evaluated by an expert. Once the value of all your movable property established, one shall declare the amount to the insurer. This value will be used to establish the amounts allowed towards the indemnities in the event of a loss.  
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