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#103
Kanga ()
Insurance 'standard unit' 2007/06/21 08:53  
We have been in discussion with our insurance company and with the board about what is a standard unit. Another unit has suffered some damage to her unit all the insurance companies are arguing who is responsible. Our building was built back in 1979 and there are no records as to what was orignial. Under the new act it states that we should have a by-law defining the unit but we don't have one yet but the board is working on it if they can find out what do use as a definition. How do your buildings define it, they are older? The insurance companies talk about "Bare Bones Unit" definition but nobody seems to have an actual definition.

thanks

kanga
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#751
Yvon ()
Re:Insurance 'standard unit' 2007/08/15 20:17  
Schedule "C" of your Corporation's Declaration should provide a "bare bones" description of a standard unit. In my personal view, a "Standard Unit By-law" more clearly defines responsibility for coverage. There are recent court rulings on responsibility to repair a unit after damage. In one particular instance, a unit Owner had her carpet replaced with hardwood floors. After suffering water damage, the unit Owner insisted that the Corporation was responsible for the cost of repairing or replacing the hardwood flooring in her unit. The Corporation maintained that the hardwood flooring installed by the unit Owner was an "improvement" over the carpet which was originally in the unit. The matter came before the court and the court held that in the absence of a description of a standard unit (Standard Unit By-law) the hardwood flooring could not be considered an improvement and therefore the Corporation was responsible for repair or replacement.
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