ADMINISTRADORES: Modificación al articulo 36 de la Ley de Copropiedad Inmobiliaria

ADMINISTRADORES: Modificación al articulo 36 de la Ley de Copropiedad Inmobiliaria

PROYECTO DE LEY

Artículo único: Sustitúyase el inciso primero del artículo 36 de la ley 19.537, sobre Copropiedad Inmobiliaria, de la siguiente forma:

“Todas las unidades de un condominio deberán estar aseguradas contra riesgo incendio y terremoto incluyéndose en el seguro los bienes de dominio común en la proporción que correspondan a las respectiva unidad; este seguro deberá cubrir además los riesgos de daños que a terceros puedan ocasionar las estructuras del edificio, por un monto mínimo del 10% del valor de reposición del edificio y la demolición total o parcial de éste ordenada por la autoridad competente por un monto igual al de reposición del edifico. Es obligación del administrador contratar el seguro que cubra la totalidad de las unidades y bienes de dominio común y pagar oportunamente la prima correspondiente.- El porcentaje de la prima que corresponda a cada unidad será cobrado conjuntamente con los gastos comunes indicándose su monto en forma desglosada de éstos.”

 

“El administrador y los miembros de comité de administración serán solidariamente responsables de los perjuicios causados a los copropietarios por incumplimiento de esta obligación”.

Santiago, 14 de julio de 2010

Sin embargo, como ha sido habitual en el tratamiento de las normas que rigen la copropiedad inmobiliaria, no hay difusión ni consulta a los organismos y personas conocedores del tema. Se habrá enterado algún parlamentario que, en la mayoría de los daños provocados por el terremoto del 27 de Febrero en los edificios que habían suscrito adicional sismo, no fue posible cobrar los perjuicios en atención a que el monto del deducible (1 y hasta 2% del capital asegurado) era, por lejos, muy superior al monto de las reparaciones?

Pensamos que este es un delicado tema que debe ser analizado con seriedad, porque, a primera vista, pareciera que aquí hay un sólo gran beneficiado llamado Compañias de Seguros y un gran perjudicado, los copropietarios a quienes, supuestamente se favorecería pero que, no tienen capacidad de lobby ni de reacción. Nos parece grave y pensamos que requiere un mayor y más profundo análisis.

Fuente: www.copropiedad.cl

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