OBLIGATION TO INSURE THE COMMON AREAS
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❓ Identified Question
"Are condominium owners obligated to insure the common areas if they already have insurance covering those areas?"
🎯 Direct Answer
As a rule, condominium owners must contribute to the insurance of the common areas, even if they already have individual insurance covering those areas.
Legal Basis: Artigo 1424.º do Código Civil View on DRE
Official Documentation
📋 Context & Applicability
The obligation to insure the common areas depends on the resolution of the condominium assembly.
The insurance of the common areas is a collective responsibility of the condominium owners, as stipulated in Article 1424 of the Civil Code.
- Verify the assembly's resolution regarding the insurance of the common areas.
- Confirm whether the bank's insurance effectively covers the common areas.
✅ Technical Checklist
- Consult the condominium regulations regarding insurance.
- Gather information about the existing insurance with the bank.
- Participate in the condominium assembly to discuss the insurance of the common areas.
Applicability depends on the assembly's resolution regarding the insurance of the common areas.
Legal Notice
This content is for informational purposes only and does not replace personalised legal advice.
Always confirm critical decisions with a qualified lawyer or professional.
The content is specific to Portuguese law and may not apply to other jurisdictions.