Condo Damage Insurance Coverage

Summary

In Quebec, condo damage involving common infrastructure may require claims with both personal and syndicate insurance. Syndicate insurance typically covers common areas, while personal insurance covers personal property and unit-specific improvements. You may need to open a file with your personal insurance even if the damage involves common infrastructure. Compensation instead of repairs may be possible, depending on your insurance policy. Check with your personal insurance provider for specific coverage details and options.

Full Conversation

building pipe broke and caused damage to my floor in my condo unit in a Co-ownership. which assurance muct cover repairs or compensation?
In Quebec, the coverage for repairs or compensation depends on the nature of the damage and the insurance policies in place:
- Building insurance (Syndicate's insurance): Typically covers common areas and shared infrastructure.
- Personal insurance (Homeowner's insurance): Typically covers personal property and unit-specific improvements.
Which part of your condo was damaged?
The floor in the living room and bedroom.
In Quebec, floor damage in your living room and bedroom may involve both your personal insurance and the syndicate's insurance.
- Syndicate's insurance: May cover repairs if the pipe is part of the common infrastructure.
- Personal insurance: May cover personal property and unit-specific improvements.
Did you already contact your insurance company about the damage?
Do I need to open a file with my Personal insurance if the incidents involves common infrastructure?
Case Rating: *
It's possible you need to open a file with your personal insurance even if it involves common infrastructure. Here's some general guidance:
- Personal insurance: Covers damages to your personal property and unit-specific improvements.
- Syndicate’s insurance: Covers common infrastructure repairs.
Check with your personal insurance provider to understand their specific requirements and coverage.
Would you like more information on filing a claim?
Can I request compensation isntead of repairs?
In Quebec, you can generally request compensation instead of repairs, but it depends on your insurance policy. Check with your personal insurance provider to confirm if compensation is an option for the damage to your floors.
Would you like to know more about how to request compensation?