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ARTICLE · 16 DECEMBER 2015

Condominium Corporation Issues: The President's View

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The insurance provisions in the Condominium Act, 1998 ("the Act") override any conflicting provisions in an insurance policy or the Insurance Act.

CanadaReal Estate and Construction
Peter Yaniszewski
Peter Yaniszewski
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The insurance provisions in the Condominium Act, 1998 ("the Act")1 override any conflicting provisions in an insurance policy or the Insurance Act.2

The Condominium Corporation

All condominium corporations in Ontario are required to obtain and maintain insurance for damage to the units and common elements caused by major perils or the other perils that the condominium corporation's declaration or by-laws may specify. The Act requires that this insurance be replacement cost insurance, subject to a reasonable deductible.

The common elements in a high-rise condominium property would typically include areas such as the parking garage, fitness facilities, swimming pool, lobby and recreation or party room as examples.

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