A co-ownership association has

Application pratique:

This case law confirms that your co-ownership association has legal standing to sue the insurer on behalf of all co-owners. The association should instruct a lawyer to claim the full loss, including reconstruction costs, in a single action. This prevents each co-owner from having to bring separate, costly lawsuits and speeds up the recovery process, ensuring the building can be rebuilt without further delay.

Application pratique:

Under this ruling, once the co-ownership association formally votes to rebuild, it can pursue legal action against the responsible contractor for total destruction loss. You should organise with other co-owners to call a general meeting and pass the rebuilding resolution. Then the association can sue to recover damages, covering reconstruction and potentially your temporary accommodation costs, relieving individual financial pressure.

Application pratique:

This decision empowers the co-ownership association to claim the full loss—including lost rental income—from the builder or insurer. Ensure the association includes your rental losses in the legal claim, supported by lease agreements and bank statements. Push for a swift court order to secure interim funds, preventing prolonged income loss while the main case proceeds.