Author Archives: LPinizzotto

How do I know what my Condo Insurance Covers

 Are you protected?

Recently, Allstate Insurance Company of Canada and Abacus Data released some research that shows many condo owners are lacking critical knowledge about their insurance coverage, which could lead to costly mistakes.

Here are some of the major findings:

  •  61 per cent of Canadian condominium (“Condo”) owners don’t know or incorrectly assume their building’s insurance will cover damage to another unit from water or fire that originated in their unit
  • 74 per cent of Canadians looking to purchase a condo in the next few years don’t know what their personal insurance cover versus what the condo corporation’s insurance should cover.
  • Only 39 per cent of condo owners and 26 per cent of condo buyers know that the belongings of a roommate or boarder are not covered under their personal condo insurance policies.
  • 21 per cent of condo owners are not aware that the condo corporation’s insurance is responsible for incidents like falling concrete and shattering glass from condominiums.

As a condo owner, there are things you can do to make sure you are protected:

  •  Ask your condo board or management company to explain what the building’s insurance policy does or does not cover.
  • Talk to your insurance agent about your policy. Being properly covered can prevent your getting stuck with the bill if your condominium’s policy falls short.
  • Remember that damage done to your car in a garage or belongings in a storage locker are covered under your personal policy and not the building’s policy so you should ensure your coverage properly protects your car and any items you have stored in your locker.
  • Right now we (COA)  are partnering with Allstate Canada to help educate Canadians about their condo insurance.   We’re running a contest to find a GTA Condo Hero – a concierge, security guard or property manager who makes a big difference to the lives of condo owners.
 You can find out more about this contest

Meet the Judges:

Why you need Condo Insurance





  • Qorum was called – the meeting can start!
  • 62 Proxies and 28 Owners in Attendance records 90
  • How many were for quorom? None the proxies eliminated quorom.
  • How many included voting? All 62 because an option for substitution and other non compliance terms were included
  • Corporation Lawyer was the Chair at the AGM cost $500 per hour
  • The Board hides behind the lawyer to look legitimate!!
  • Lawyer refuses question period before the election
  • The Board holds control of the majority 62 proxies !
  • The proxy form is in non compliance to the Condo Act
  • Owners object but Lawyer and Board ignores objection
  • The Board appoint 2 of their friends as scruitineers
  • Ballots are casted; scrutineers count proxsies behind closed doors
  • The Board announces the “New Board Member/s and moves on!!
  • How many proxy and ballot votes for each candidate!! Who knows? Only the Board, Property Management and the 2 scrutineers
  • The Board forged 62 proxies before the meeting started!!
  • 28 Owners wasted their time on the (1) single vote for Director for owner-occupied position
  • The Deceitful Board of Directors has MAJORITY VOTE & control
  • The Lawyer puts forward a motion DESTROY Ballots; of course and doesn’t answer owners about ability to view the Proxies; of course!!
  • The deceitful Board now has control to ie: manouever contracts, skim monies, hold Owners hostage from receiving Condo documents, place unjustified liens on Owners units, create havoc and spread lies and deceit for their own self gain!!
  • Owners are so afraid they will remain silent!!!!

New Construction vs Resale Condominiums

The Condo Owners Association (COA) is recognizing “Deep Concerns” in the Condo Market. It is not just about new construction or reports from Analysts, CMHC, Ontario Builders Associations etc. We have a continual ongoing problem of non disclosure of representation from Builders. There are so many Buyers who do not realize they have an occupancy period; they are forced to close occupancy without a completed unit; the Agreements are one sided to the Builders advantages; delays and undervalued price per square foot on maintenance fees at the time of sale vs the time of close create a financial issue for buyers; many buidings have deficits in the first year and although the builder clears the deficit; the owners are hit with 20% 25% increases after the first year.

…… and why on earth does Tarion only cover 1 & 2 years Warranty for an $80 Million dollar building when most of the standard (not structural) issues surface in the 4-5th year. The Condo market is slowing because the builders increased prices per square foot on new construction way beyond the price per square foot on the resale condo market. They wanted tomorrows profits for themselves and unfortunately buyers get caught up with the glamour of the building and the glass windows (which are another issue) that they purchase and hope…lets cross our fingers….that they made the right decision.

SOS cry for Condo Owners

SOS for Condo Owners

Owners had no where to turn for help

Until the Condo Owners Association

Are you struggling with Bad Board of Directors?

Do they run the own show against Government Policies and Provincial Acts.   The don’t know abide by the Condo Act, they either don’t care about it or they don’t even know it exists.

Did you know that Condo Owners have no where to go if they have problems?  Our Government has a Condo Act they don’t enforce.  A Condo Act that has no governance.  A Condo Act is written in legal terms that everyday Condo Owners have difficulty understanding. Continue reading


Alcohol at a Party Many times owners don’t realize the problems they could have by hosting a party in the party room and serving acolhol.  In 2006, the Supreme court of Canada had to deal with one case which caused … Continue reading

Condos Needs Special Sound Protection for Special Needs Individuals

Its very unfortunate that we are living in a society where “special needs” families are not being accommodated or considered in high rise condos (multi-family living environments) other than a ramp and/or handicap parking.  Special considerations need to be taken into account for proper sound and noise barriers in these properties, not only to deal with the standard noise of stereo/tv systems/loud voices etc. but also to allow special needs families to live freely with their private comforts in their own homes without worries that behaviours resulting from their disability are effecting neighbours and potentially causing hardships and disputes among neighbours.   City Council must reassess  and increase the sound proofing standards in condominiums to comply with all situations

discomforts forcing irreparable problems and dispute.

There was only one Mayoral Candidates who had the right answer on this Question?

There was only one Mayoral Candidate that came up with an answer to “will there be Municipal By-Laws in place to govern rooming house situations in condo units.

How many Candidates understand Condominiums and Condominium lifestyles? If you are a Condo Owner; think about that before going to the Polls. There has been a tremendous amount of changes in the last 12 years (since 1998 condo act revisions) and substantial construction of high rise condo buildings. Are the buildings codes being adjusted to proven problems; ie increased soundproofing measures, security and safety, warranty provisions etc. These items have to be addressed.