Law 141: condo board obligations in Quebec explained

Law 141 strengthened Quebec condo insurance: whole-building coverage, reconstruction value assessed at least every five years, liability insurance, and a self-insurance fund. The maintenance log and reserve fund study instead arise from Law 16 and its regulation effective in 2025. Boards need separate compliance calendars for these connected duties.

What is the difference between Law 141 and Law 16?

Adopted in 2018, Law 141 principally reformed insurance rules for Quebec condo boards (syndicats): building coverage, reconstruction value, liability, deductibles, and the self-insurance fund. Its measures came into force progressively between 2020 and 2022.

Insurance: what Law 141 requires from condo boards

Article 1073 of the Civil Code of Québec requires the syndicate to insure the entire building, including private portions, against usual risks. Owner improvements are excluded when they can be identified against the description of the private portion.

How should deductibles and the self-insurance fund be managed?

The syndicate maintains a liquid self-insurance fund available on short notice. It pays collective-policy deductibles and certain damage to insurable syndicate property when neither insurance proceeds nor the reserve fund can cover it. It remains separate from operating cash and the reserve fund.