The last few years have profoundly transformed the world of condominium ownership in Quebec. Between the exi

The past few years have profoundly transformed the condo world in Quebec. With increased requirements for the contingency fund, mandatory studies conducted by professionals, and the growing importance of the maintenance log, buying or selling a condo has never been so technical… or so risky if you take it lightly.

Condominium boards now must better plan major repairs and the replacement of major building components (roof, structure, mechanical systems, elevators, etc.). Result: condo fees, the health of the contingency fund, and the quality of management are central to the real value of your unit. A poorly managed or underfunded building can quickly become a financial sinkhole.

That is why it is essential not to do business with just anyone for the purchase or sale of a condo. You need a professional who understands not only real estate but also insurance, risk management, and legal compliance issues specific to co-ownership.

As André-Philippe St-Germain, real estate broker and holder of a property insurance license, I have already insured condominiums and analyzed their protections. I know how to read between the lines: insurance policies, condo declarations, minutes, budgets, contingency funds, and upcoming work. This global vision helps protect you from surprises and guide your decision on solid grounds, not just on a “pinch-me” feeling.

In a context where rules are becoming more complex and where every detail can cost a lot, surround yourself with an expert who truly masters the condo universe. Your condo is more than a roof: it’s an investment that deserves professional protection at every stage, from purchase to resale.