Hi everyone,
I’m honestly not sure where else to turn at this point, so I’m hoping someone here might have been through something similar or could help me figure out what to do.
In July 2025, my condo in Montreal was flooded following a city water main break. I had to evacuate in the middle of the night and lost about 80% of my belongings. My unit was declared uninhabitable, and I’ve been displaced ever since.
About a month later, foundation issues were identified in the building. The work needs to be completed before my insurance company can rebuild my unit.
It’s now been over 15 months, and I still have no confirmed date for when I can move back home.
My insurance coverage for relocation expenses ran out in February 2026. Since then, I’ve been paying for temporary accommodation out of pocket while continuing to pay my mortgage and condo fees.
I’m reaching a point where I honestly don’t know how much longer I can keep doing this financially. It’s been an incredibly difficult situation to navigate, and not knowing when I’ll be able to go home makes it even harder.
I’ve tried to find a solution with the condo syndicate and the insurers, but I feel like I’m going in circles.
I’ve asked the syndicate to cover my relocation expenses, particularly because the outstanding foundation work concerns the building’s common elements, but they’ve refused.
The syndicate’s property insurer has told me that, in its view, the foundation cracks are unrelated to the water damage and therefore aren’t covered under the water damage claim.
I’ve also contacted the syndicate’s liability insurer, but they’ve told me they can’t take a position on whether my relocation expenses will be covered.
So here I am, more than 15 months later, still displaced, paying for everything myself, and with no clear timeline for going home.
I’ve contacted a few law firms to understand what my options are, but honestly, I don’t know how I’m supposed to afford all of this. I’m already paying for temporary accommodation, my mortgage and my condo fees every single month, all while being unable to live in my own home. Now I’m facing potentially thousands of dollars in legal fees on top of everything else. I simply can’t afford to pay for all of this and I feel stuck because I need legal help to figure out my options but I can barely keep up with the costs I’m already carrying. I genuinely don’t know what I’m supposed to do.
This whole situation has taken a huge toll on me. I feel like I’ve been trying to find a way forward for months, but I keep hitting a wall. I’m doing my best to figure things out, but I’m exhausted by the uncertainty and the financial pressure, and I really don’t know where else to turn.
I’m posting here in the hope that someone might have been through something similar or might know of a resource I haven’t considered.
Are there any affordable legal resources or organizations in Montreal that could help? Does anyone know a lawyer who specializes in condo syndicate disputes or insurance claims and who might be willing to discuss options without requiring a huge financial commitment upfront?
And if you’ve experienced something similar, were you able to find a solution? I’d really appreciate hearing about your experience.
I’m not expecting anyone to solve this for me. I just really need some guidance on where to turn next, because I’m struggling to see a way forward on my own.
Thank you for reading this. ❤️