HOLIDAY BREAK: The ChAD offices will be closed from December 25, 2023 to January 2, 2024.

Emergency assistance for technical issues related to the ChAD Portal (including ÉduChAD) will be available on December 27, 28 and 29 and January 2, 2024 from 8 a.m. to 4:30 p.m.

During this period, you can contact SVI Solutions at 1-866-843-4848 #1 or for the following problems:

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The Description of the Private Portions in a Co-Ownership (“Condominium”)

Publication date: January 29, 2020 | Last update: April 27, 2020

Q. What role do agents and brokers play with respect to the syndicate of co-ownership’s obligation to maintain a description of the private portions?

A. It is not up to a broker or agent to draw up a description of the private portions; however, this description is one of the documents required to properly assess the needs of your client (the co-owner, or the syndicate of co-ownership) and provide them with the correct advice. The Insurance Bureau of Canada (IBC) has created a model that you can share with your clients.  


Recently, a number of legislative amendments came into force that affect co-ownerships. 
Since December 13, 2018, all syndicates of co-ownership must keep “a description of the private portions that is sufficiently precise to allow any improvements made by co-owners to be identified.”1 One of this new provision’s objectives is to avoid any confusion in the event of a claim over what is covered by the syndicate’s insurance policy as opposed to what constitutes an improvement, which is covered by the co-owner’s insurance policy. Co-ownerships established before June 13, 2018, have until next June to draft their description. 
Assessing the value of property, a residence or a co-ownership does not fall under the competence of brokers or agents; it is therefore not your responsibility to draw up a description of the private portions. However, you must ask your client (the syndicate or the co-owner) for a copy of this description, in order to properly assess their risks and the coverage required. 
In fact, the IBC has created a model inventory for establishing the description of a private portion that you can share with your clients in order to help syndicates of co-ownership comply with this obligation. 
This article might also interest you: Explications à fournir à l’assuré quant à l’évaluation de leur résidence. [Explanations to give to insureds regarding the assessment of their residence (in French only)]
1. Article 1070 par. 3 of the Civil Code of Québec