I have bought a flat. What is covered by the insurance policy taken out by the “copropriété”?
The joint owners of a block of flats (“la copropriété”) are required to insure all common areas, including internal and external walls, partitioning between floors, staircases, roof and facades. This insurance usually covers a number of events such as fire, lightning, explosion, water damages, climatic events and natural disasters. In addition, the insurance policy includes third party liability for damages caused by the building or by persons working for the joint owners, e.g. cleaning personnel. In this connection, the individual owners are considered as third parties and can be indemnified in case of damage or injury.
