To determine whether the condo corporation or the unit owner is responsible for repairing damage caused to a unit, it is important to look to the Condominium Act 1998 and the condo corporation’s Declaration and By-laws. In most cases, the condo documents state that this determination is left to the board or property manager. It is very important to have a properly drafted Standard Unit By-Law to de-
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termine the apportionment of insurance responsibility as between the condo corporation and owner. Without a Standard Unit By-law, the situation can become messy, as one or both of the insurance companies sometimes refuse to make repairs and the work to fix the unit is often unnecessarily delayed. A damaged unit is stressful enough as it is, so condo corporations should avoid adding to the stress and should implement a Standard Unit By-law. C V