What are they?
When you buy a condo you get two things: your unit, and a share of the common elements that you own together with all other owners. The Condominium Act defines common elements very simply: all the property except the units. That usually means the lobby, hallways, elevators, underground garage, gym, roof, exterior walls, the walls between units, and the pipes and wires that run between units.
Where your unit ends differs from condo to condo. It is set by the declaration and the description (the registered plans) that the developer filed. In some condos the unit ends at the inside face of the wall; in others it runs to the middle of the wall. Whether windows and the entry door are part of the unit also depends on the declaration.
Exclusive-use common elements
Balconies, terraces, patios, and in many buildings parking spaces and lockers, are often “yours to use but legally common.” The Act requires the declaration to specify the parts of the common elements that only certain unit owners may use (section 7 (2) (f)). These are called exclusive-use common elements.
The CAO buyers’ guide notes that owners often think their balcony is part of their unit, but legally it may be an exclusive-use common element of the corporation. That is why changing balcony flooring or building a deck on a terrace may need board approval.
Parking and lockers vary. In some buildings they are registered as separate units that can be bought and sold on their own; in others they are exclusive-use common elements tied to the unit. Even if a listing says “owned parking,” confirm it in the status certificate and the land registry.
Who repairs and who maintains?
The Act sets default rules, and the declaration can change them (section 91).
| Condo corporation | Owner | |
|---|---|---|
| Routine maintenance and wear-and-tear repairs | Common elements (section 90 (1)) | Your unit (section 90 (1)) |
| Repair after damage (fire, flood, etc.) | Units and common elements, but not improvements an owner added to the unit (section 89 (1)–(2)) | Improvements you added (for example upgraded floors or cabinets) |
| Exclusive-use common elements (balcony, etc.) | Corporation by default | The declaration may shift maintenance and repair to the owner (section 91 (c)) |
“Maintain” means routine upkeep and repairs after normal wear and tear; “repair” means fixing damage after an event like a fire or leak (section 90 (2)). Check the declaration for the actual split.
The standard unit and insurance
The corporation must insure both the units and the common elements against major perils such as fire, water escape and windstorm (section 99 (1)). But improvements inside a unit are not covered by the corporation’s policy; they are the owner’s responsibility. The line between the basic unit and improvements is the standard unit definition, set by a by-law (section 56 (1) (h)) or, if there is none, by the schedule the developer provided (section 89 (4)).
For example, if the standard unit has carpet and a previous owner installed hardwood, replacing the hardwood after a leak falls on the owner’s insurance. This is why condo owners need their own policy covering improvements, contents, liability and the corporation’s deductible.
If you, your tenant or someone living in your unit with your permission or knowledge damages your unit through something they did or failed to do, the lesser of the repair cost and the corporation’s insurance deductible is added to your common expenses (section 105 (2)). The corporation can pass a by-law that extends this rule to other cases, but not to damage caused by the corporation or its directors, officers, agents or employees (section 105 (3)). The deductible can be large, so check the amount in the certificate of insurance that comes with the status certificate.
If you want to change the common elements
An owner who wants to add to, alter or improve the common elements (for example a balcony door, a wall-mounted air conditioner or an electric vehicle charger) needs a board resolution approving it and a written agreement with the corporation that splits the cost, maintenance, repair and insurance duties (section 98). The agreement is registered on title to the unit and binds future owners (section 98 (5)).
For a small change to your own exclusive-use area (your balcony, for example), the corporation does not have to notify other owners if the board is satisfied it will not harm other units, cost the corporation money, or affect the appearance or structure of the building (section 98 (2)). Electric vehicle chargers have had a separate process since May 1, 2018, under which the corporation must respond within 60 days (Ontario government guidance).
If a previous owner made changes to the unit you are buying, the status certificate must state whether the section 98 agreement has been complied with (section 76 (1) (l)). Work done without an agreement can leave the new owner being told to restore it.
Condo fees and the common elements
Condo fees (common expenses) pay for the common elements. You cannot stop paying because you do not use the gym, have no parking, or are in a dispute with the corporation (section 84 (3)). Your percentage is in the declaration.
Big common element projects (roof, garage, exterior walls, elevators) are paid from the reserve fund. If the fund is short, a special assessment can follow, so look at the condition of the common elements together with the reserve fund study.
Example
A tenant in a downtown Toronto condo blocks a bathroom drain. Water overflows, damaging that unit and leaking into the unit below. The pipe running between units is a common element, so the corporation fixes it, and the basic drywall and flooring (standard unit) of both units are repaired under the corporation’s policy. Because the tenant caused damage to the upper unit, the lesser of that unit’s repair cost and the corporation’s deductible ($25,000 in this example) is added to the upper owner’s common expenses (section 105 (2)). Whether the part of the deductible for the lower unit’s repairs can also be charged to the upper owner depends on the declaration and by-laws, so check them.
The lower owner replaces the hardwood floor (an improvement installed by a previous owner) through their own insurance. The upper owner’s personal condo policy has deductible coverage, so most of the amount charged is covered. Neither owner would have been surprised if they had read the declaration and the certificate of insurance in advance.
What the law and official sources say
Quotes are copied word for word. The "In plain words" lines are our explanation, not an official translation.
“common elements” means all the property except the units;In plain wordsCommon elements are all of the condo property that is not a unit.
Source: ontario.ca/laws/statute/98c19 · checked Oct 30, 2026
Subject to section 91, the corporation shall maintain the common elements and each owner shall maintain the owner’s unit. … The obligation to maintain includes the obligation to repair after normal wear and tear but does not include the obligation to repair after damage.In plain wordsUnless the declaration says otherwise, the corporation maintains the common elements and each owner maintains their unit. Maintenance includes wear-and-tear repairs but not repair after damage.
Source: ontario.ca/laws/statute/98c19 · checked Oct 30, 2026
Subject to sections 91 and 123, the corporation shall repair the units and common elements after damage. … The obligation to repair after damage includes the obligation to repair and replace after damage or failure but, subject to subsection (5), does not include the obligation to repair after damage improvements made to a unit.In plain wordsAfter damage, the corporation repairs both units and common elements by default, but it does not have to repair improvements an owner added to the unit.
Source: ontario.ca/laws/statute/98c19 · checked Oct 30, 2026
The declaration may alter the obligation to maintain or to repair after damage as set out in this Act by providing that, … (c) each owner shall maintain and repair after damage those parts of the common elements of which the owner has the exclusive use;In plain wordsThe declaration can change the default duties, for example by making each owner maintain and repair the exclusive-use common elements such as their balcony.
Source: ontario.ca/laws/statute/98c19 · checked Oct 30, 2026
An owner may make an addition, alteration or improvement to the common elements that is not contrary to this Act or the declaration if, (a) the board, by resolution, has approved the proposed addition, alteration or improvement; (b) the owner and the corporation have entered into an agreement that, (i) allocates the cost of the proposed addition, alteration or improvement between the corporation and the owner, (ii) sets out the respective duties and responsibilities, including the responsibilities for the cost of repair after damage, maintenance and insurance, of the corporation and the owner with respect to the proposed addition, alteration or improvement, …In plain wordsTo change the common elements, an owner needs a board resolution approving it and a written agreement (a section 98 agreement) that splits cost, repair, maintenance and insurance duties.
Source: ontario.ca/laws/statute/98c19 · checked Oct 30, 2026
The corporation shall obtain and maintain insurance, on its own behalf and on behalf of the owners, for damage to the units and common elements that is caused by major perils or the other perils that the declaration or the by-laws specify.In plain wordsThe corporation must carry insurance for damage to units and common elements from major perils such as fire, water escape and windstorm. Improvements and contents inside your unit are for your own policy.
Source: ontario.ca/laws/statute/98c19 · checked Oct 30, 2026
Common questions
Is my balcony mine?
You usually have the only right to use it, but in many condos the balcony is legally an exclusive-use common element. Only the declaration and description can tell you for sure. Ask the board before changing the flooring or installing anything.
Are parking spaces and lockers units or common elements?
It depends on the condo. Some are registered as separate units (and can be sold on their own); others are exclusive-use common elements attached to the unit. Check the status certificate and the land registry.
My window leaks air. Who fixes it?
It depends on whether the window is part of the unit or a common element, and on how the declaration divides responsibility. In many condos windows are common elements, but there are exceptions. Ask the property manager to point you to the clause in the declaration.
The corporation has insurance. Do I still need my own?
Yes. The corporation’s policy covers the standard unit and common elements. You need your own policy for improvements inside your unit, your belongings, liability to others, and the corporation’s deductible that can be charged to you after an incident in your unit. Many mortgage lenders ask for it too, so check with your lender.
The previous owner changed the balcony without board approval. Is that my problem?
It can be. Changes to common elements need a section 98 agreement, and the agreement follows the unit. Without one, the corporation can ask the new owner to restore the area. Before you buy, have your lawyer check the section 98 agreement line in the status certificate.
Can owners object to a big common element project?
Changes made by the corporation follow section 97 of the Act. Small ones need only a board resolution; larger ones need notice to owners and can go ahead if owners of 15% of the units do not requisition a meeting within 30 days; and a "substantial" change needs a vote in favour by owners of at least 66⅔% of the units (section 97 (4)). This page covers changes made by owners (section 98). The corporation’s proposed substantial changes must be listed in the status certificate (section 76 (1) (n)).
Guides that use this term
Sources checked
- Condominium Act, 1998, ss. 1, 7, 56, 76, 84, 89–91, 97–99, 105 (e-Laws) · checked Oct 30, 2026
- CAO, Ontario’s Residential Condominium Buyers’ Guide 2025 (7. The unit and the common elements, 12. Repair and maintenance) · checked Oct 30, 2026
- Ontario government, Owning a condo (electric vehicle charging systems) · checked Oct 30, 2026
- CAO, Status certificate · checked Oct 30, 2026