Insurance (22:XIII) - Revision history

LSLAP at 19:46, 13 October 2025

2025-10-13T19:46:17Z

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LSLAP: /* 1. Insurance Deductibles */

2025-09-29T18:22:37Z

1. Insurance Deductibles

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	# Subsection (1) does not limit the capacity of the strata corporation to sue an owner in order to recover the deductible potion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim.		# Subsection (1) does not limit the capacity of the strata corporation to sue an owner in order to recover the deductible potion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim.

	Pursuant to subsection (2), “responsible” has been found not to be a negligence standard. Rather, if an owner had responsibility to maintain whatever it was that caused the damage, they can be held responsible even without fault. Strata corporations are permitted to adopt negligence standards in their bylaws: see [https://canlii.ca/t/j2x9l ''The Owners, Strata Plan BCS 1589 v Nacht'', 2019 BCSC 1785].		Pursuant to subsection (2), “responsible” has been found not to be a negligence standard. Rather, if an owner had responsibility to maintain whatever it was that caused the damage, they can be held responsible even without fault. Strata corporations are permitted to adopt negligence standards in their bylaws: see ''[https://canlii.ca/t/j2x9l The Owners, Strata Plan BCS 1589 v Nacht]'', 2019 BCSC 1785.


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LSLAP at 00:13, 4 August 2024

2024-08-04T00:13:08Z

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LSLAP at 21:58, 31 July 2024

2024-07-31T21:58:33Z

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	=== 1. Insurance Deductibles ===		=== 1. Insurance Deductibles ===

	Most strata corporation insurance policies have deductibles that apply to the various coverages under the policy. The minimum deductibles are typically determined by market conditions and can be increased by a strata corporation, but if determined to be excessive, it can be argued that the strata corporation has failed its duty to obtain insurance, per [https://www.canlii.org/en/on/onsc/doc/1998/1998canlii18852/1998canlii18852.html ''Stevens v Simcoe Condominium Corp. No. 60'', 1998 CanLII 18852 (ON SC)].		Most strata corporation insurance policies have deductibles that apply to the various coverages under the policy.

	The payments of insurance deductibles is set out in s 158(1) and (2) of the ''SPA'':		The payments of insurance deductibles are set out in sections 158(1) and (2) of the ''SPA'':

	# Subject to the ''SPR'', the payments of an insurance deductible in respect of a claim on the strata corporation’s insurance is a common expense to be contributed to by means of strata fees calculated in accordance with s 99(2) or s 100(1);		# Subject to the ''SPR'', the payments of an insurance deductible in respect of a claim on the strata corporation’s insurance is a common expense to be contributed to by means of strata fees calculated in accordance with s 99(2) or s 100(1);
	# Subsection (1) does not limit the capacity of the strata corporation to sue an owner in order to recover the deductible potion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim.		# Subsection (1) does not limit the capacity of the strata corporation to sue an owner in order to recover the deductible potion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim.

			Pursuant to subsection (2), “responsible” has been found not to be a negligence standard. Rather, if an owner had responsibility to maintain whatever it was that caused the damage, they can be held responsible even without fault. Strata corporations are permitted to adopt negligence standards in their bylaws: see [https://canlii.ca/t/j2x9l ''The Owners, Strata Plan BCS 1589 v Nacht'', 2019 BCSC 1785].


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Clicklaw Editor: /* B. Insurance Deductibles and Co-Insurance Clauses */

2023-08-22T18:54:41Z

B. Insurance Deductibles and Co-Insurance Clauses

← Older revision		Revision as of 18:54, 22 August 2023
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	# Subject to the ''SPR'', the payments of an insurance deductible in respect of a claim on the strata corporation’s insurance is a common expense to be contributed to by means of strata fees calculated in accordance with s 99(2) or s 100(1);		# Subject to the ''SPR'', the payments of an insurance deductible in respect of a claim on the strata corporation’s insurance is a common expense to be contributed to by means of strata fees calculated in accordance with s 99(2) or s 100(1);
	# Subsection (1) does not limit the capacity of the strata corporation to sue an owner in order to recover the deductible potion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim.		# Subsection (1) does not limit the capacity of the strata corporation to sue an owner in order to recover the deductible potion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim.


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LSLAP: Added the text

2023-08-20T05:19:21Z

Added the text

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			== A. Division of Insurance ==

			Section 149 of the ''SPA'' outlines the property insurance that the strata corporation is required to obtain and maintain. The strata corporation’s duty to insure does not cover the same areas as the strata corporation’s duty to repair and maintain common property.

			The strata corporation is required to insure:

			* Common property;
			* Common assets;
			* Buildings shown on the strata plan (which, in a conventional strata plan, covers the entirety of all strata lots);
			* In the case of a conventional strata plan: fixtures on each strata lot that were installed by the owner developer as part of the original construction of the strata lot.

			Note that for the purpose of section 149, “fixtures” does not take its common law definition, and instead takes a specific definition from section 9.1(1) of the ''SPR''. This definition of “fixtures” refers to elements attached to the building and necessarily includes floor and wall coverings, and electrical and plumbing fixtures. However, for any other item, if it can be removed without causing damage to the building, it will not count as an original construction fixture that the strata corporation must insure.

			The strata corporation’s property insurance must protect against “major perils” (''SPA'', s 149(4)(b)). The ''SPR'' defines “major perils” in section 9.1(2) as any of the following:

			# Fire or explosions;
			# Smoke;
			# Lightning, windstorms, or hail;
			# Water escape;
			# Strikes, riots or civil commotion;
			# Impact by aircraft or vehicles;
			# Vandalism or malicious acts.

			Under section 161(1) of the ''SPA'', owners may obtain insurance for:

			* Loss or damage to their strata lot in excess to that covered by the strata corporation’s insurance;
			* Fixtures in their strata lot that are not covered by the strata corporation’s insurance;
			* Improvements to fixtures referred to in section 149(1)(d);
			* Loss of rental value by the owner’s strata lot in excess to that covered by the strata corporation’s insurance;
			* Property damage and bodily injury occurring on either their strata lot or common property.

			== B. Insurance Deductibles and Co-Insurance Clauses ==

			=== 1. Insurance Deductibles ===

			Most strata corporation insurance policies have deductibles that apply to the various coverages under the policy. The minimum deductibles are typically determined by market conditions and can be increased by a strata corporation, but if determined to be excessive, it can be argued that the strata corporation has failed its duty to obtain insurance, per [https://www.canlii.org/en/on/onsc/doc/1998/1998canlii18852/1998canlii18852.html ''Stevens v Simcoe Condominium Corp. No. 60'', 1998 CanLII 18852 (ON SC)].

			The payments of insurance deductibles is set out in s 158(1) and (2) of the ''SPA'':

			# Subject to the ''SPR'', the payments of an insurance deductible in respect of a claim on the strata corporation’s insurance is a common expense to be contributed to by means of strata fees calculated in accordance with s 99(2) or s 100(1);
			# Subsection (1) does not limit the capacity of the strata corporation to sue an owner in order to recover the deductible potion of an insurance claim if the owner is responsible for the loss or damage that gave rise to the claim.

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2023-07-28T23:19:14Z

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