Garantie de construction résidentielle (GCR)

Garantie de construction résidentielle (GCR) is a neutral and independent non‑profit organization. Its mandate is to administer the guarantee plan for new residential buildings in Quebec. Beyond that mission, GCR works to improve the quality of residential construction.


GCR and Divided Co-Ownership in Quebec

July 13th 2021 - As of January 1, 2015, Garantie de construction résidentielle (GCR) is the only organization authorized by the Quebec government to administer the mandatory guarantee plan for new dwellings. Our mission is to protect buyers and improve the quality of residential construction. In this article, we will tell you everything you need to know about the mandatory guarantee plan when it comes to divided co-ownership.


Types of co-ownership covered by GCR

GCR covers several types of new buildings, including those held in co-ownership. More specifically, GCR covers:

  • Condominium buildings that have no more than four private portions stacked one above the other
  • Detached, semi-detached or row-type single-family houses held in co-ownership 

Types of co-ownership excluded from the mandatory guarantee plan

The mandatory guarantee plan, governed by the Regulation respecting the guarantee plan for new residential buildings, excludes buildings held in co-ownership with more than four private portions stacked one above the other—condo towers—as well as the conversion of buildings to co-ownership and construction on an existing foundation.

Take, for instance, a former church that was renovated and turned into condos. The converted building wouldn’t be covered by the mandatory guarantee plan because it isn’t completely new.

What coverage is provided?

As we said above, GCR’s mission is to protect buyers! The coverage provided includes:

  1. Advance payment guarantee up to a maximum of $50,000
  2. Reimbursement of relocation, moving and storage costs resulting from late delivery, to a maximum of $6,000
  3. Completion or repair of defects or poor workmanship that are apparent at the time of acceptance of the dwelling
  4. One-year guarantee for repairs to non-apparent poor workmanship existing at the time of acceptance
  5. Three-year guarantee for repairs to latent (hidden) defects
  6. Five-year guarantee after the end of work for the repair of faulty design, construction or execution and defects of the ground

For completion and guarantees, coverage under the guarantee plan is limited to:

  • $200,000 per unit and $3,000,000 overall for residential units provided for in the declaration of co-ownership for buildings with no more than four private portions stacked one above the other and held in divided co-ownership


  • $300,000 per unit and $3,000,000 per project for a detached, semi‑detached or row‑type single‑family dwelling held in divided co‑ownership

In the event that you encounter a problem and need the protection provided by the guarantee, you’ll have to open a claim file with GCR. For more information, click here.

GCR’s Accredited Business Directory

To learn more about the company that will be building your new home, check out our Accredited Business Directory. You can find out if your contractor is accredited and if your project is registered with GCR, and learn all sorts of other useful information, such as the number of incidents of non-compliance found upon inspection and the number and type of claims filed and admitted.