#24742
Jimmy-T
Keymaster

    Once again we are back at this argument of the difference between legal liability and what is covered by insurance.

    I have put in a call to our insurance sponsors CHU to get a definitive answer on this and other insurance issues but in the meantime I am going to agree with Scottie.  

    And I will draw your attention to THIS STORY where an insurer refused to cover a unit block roof that was blown off in a storm (a so-called “act of God”) because the building was defective and the roof was considered not fit for purpose.

    Owners corps and committees are generally covered for accidental negligence, but not willful negligence.  Knowing there is a problem and choosing not to anything about it can invalidate your insurance coverage and, I believe, make the members of the committee and owners corp who chose not to do anything about it PERSONALLY liable for damages if there is an accident.

    The opinions offered in these Forum posts and replies are not intended to be taken as legal advice. Readers with serious issues should consult experienced strata lawyers.