condo insurance

Protecting Condominium Owners Act – Insurance, 1st year budget and investments

This marks another excerpt from the Ontario Governments web-site publications on this new act and what it means. This segment deals with Insurance, 1st year budget and investments. To read the entire article, please click on the link at the bottom of this article.

Condo Insurance – What Is Covered?

Understanding how condominium insurance coverage is set-up, and how owners and boards can reduce risk, is the best protection in order to keep the corporation’s insurance record healthier.  Condominium corporations can also protect themselves by adopting a standard unit by-law and/or an insurance deductible by-law.

Burst Pipe in Your Home — What is Your Responsibility for Repair After Damage

Whether you live in a townhome or high rise, the impact of water damage as a result of a burst pipe can be a very trying experience.

Depending on the severity of the event you may be dealing with damaged possessions such as furniture and clothing (otherwise known as contents) and possibly your walls, ceilings and flooring. In extreme cases it may involve you having to relocate from your home for a period of time.

While each condo is unique, that Corporation’s Declaration, By-laws and Rules, as well as the Condominium Act, 1998 along with case law, provide some baseline in determining the responsibility of all parties.

Are You Protected — Condo Board Members

The Occupational Health & Safety Act (OHSA) aims to protect workers from health and safety hazards on the job. It sets out duties for all workplace parties and rights for workers. It establishes procedures for dealing with workplace hazards and provides for enforcement of the law where compliance has not been achieved voluntarily. 

Every officer and director of a corporation must take all reasonable care to ensure that the corporation complies with the Act and regulations as well as with any orders and requirements of Ministry of Labour inspectors, Directors and the Minister [section 32].

The goals and objectives stems from the premise of Recognize, Assess, Control and Evaluate.

Accessibility for Ontarians with Disabilities Act (AODA)

The AODA was created with the intent to make Ontario a more accessible place to live and work, by clearly identifying, removing and preventing barriers for persons with disabilities. Making Ontario more accessible for people with disabilities creates a win-win situation for both businesses and customers. 

Through this piece of legislation, five standards have been developed which place mandatory requirements on private and public sector businesses with at least one employee in Ontario. These standards are: Customer Service; Information and Communication; Employment, Transportation; and Built Environment.

A Guide to Owning a Condo — Butt Out

A hot topic facing many condominiums in Ontario is the handling of second hand smoke.

The Province introduced the Smoke-Free Ontario Act to help smokers quit, encourage young people to never start, and most importantly, to protect people from exposure to second-hand smoke. Over the years, you have seen first-hand evidence of the Province’s strategy. It is illegal to light or use a tobacco product in a motor vehicle with anyone inside under 16 years of age. Smoking is banned on or around children’s playgrounds, publicly owned sports fields and all bar and restaurant patios.

The Act also prohibits smoking in the common areas of condominiums, which includes elevators, hallways, parking garages, party rooms, laundry facilities, lobbies and exercise areas, but does not attempt to regulate the use of a private dwelling.