A divided co-ownership property in Trois-Rivières suffered significant water damage from a burst pipe in a common portion, affecting several private portions. Whose insurance policy is primarily responsible for covering the damage to the common portions and, initially, the private portions?

Question: A divided co-ownership property in Trois-Rivières suffered significant water damage from a burst pipe in a common portion, affecting several private portions. Whose insurance policy is primarily responsible for covering the damage to the common portions and, initially, the private portions?

Answer options: ✅ The syndicate of co-owners' insurance policy.

• The individual co-owners' personal insurance policies.
• The insurance policy of the co-owner whose unit was the source of the leak.
• The general contractor's liability insurance for the building's construction.

Correct answer: The syndicate of co-owners' insurance policy.

Explanation: The syndicate of co-owners is obliged to take out insurance covering the common portions and the immovable as a whole, including the private portions, against ordinary risks, as specified in Article 1070 of the Civil Code of Québec. This policy provides primary coverage.