Condo Rules, Bylaws & Chargebacks Explained | #WeSpeakCondo
Episode Description:
In this episode of #WeSpeakCondo, Nicholas sits down with Jason Rivait from Stack Condo Law to discuss the documents and legal framework that govern condominium living in Ontario.
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Jason explains the hierarchy of condo governance, including the Condominium Act, declaration, bylaws, rules, and policies, and why owners and boards need to understand how these documents work together.
They also discuss standard unit bylaws, insurance deductible bylaws, chargebacks, liens, water damage, owner obligations, indemnification, policies, fines, amenity rules, and why clear communication can prevent expensive disputes.
In this episode, we cover:
The hierarchy of condo governance
Condominium Act, declaration, bylaws, rules, and policies
Why owners should understand their rights and obligations
How AI can help or mislead condo owners
What goes into a condo declaration
Unit boundaries, common expenses, and maintenance obligations
How bylaws are passed and registered
How rules are passed and challenged
Why standard unit bylaws matter
How standard unit bylaws affect insurance and repairs
Insurance deductible bylaws explained
Owner insurance and deductible coverage
How water damage chargebacks work
Act or omission versus no-fault deductible bylaws
Why source of damage is not always the only question
When a condo corporation can lien a unit
Chargeback timing and the three-month lien deadline
How often boards should review their bylaws and rules
Cannabis, smoking, e-bikes, and emerging rule issues
Why policies are different from rules
Why condo corporations generally cannot fine owners
Indemnification provisions and recovery of actual costs
Damage caused by owners, tenants, guests, and contractors
What happens when unit owners refuse repairs or access
Why communication and education reduce disputes
Whether you are a condo owner, board member, property manager, lawyer, real estate professional, or service provider, this episode provides a practical breakdown of the legal documents and decision-making tools that shape condominium communities in Ontario.
Guest: Jason Rivait
Firm: Stack Condo Law
Website: stackcondolaw.com
Email: jason@stackcondolaw.com
Subscribe to #WeSpeakCondo for practical conversations about condo governance, condominium law, owner rights, property management, building operations, and the issues affecting Ontario condominium communities.
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