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Hidden defect (latent defect)

Français : Vice caché

Serious defect, not apparent during ordinary inspection, that existed before the sale and of which the buyer was not informed. The seller may be held liable even after closing under the Quebec Civil.

Definition

Under Quebec law (Civil Code of Quebec, art. 1726), the seller must guarantee the buyer that the property sold is free of latent defects. A hidden defect is one that: 1. Was unknown to the buyer at the time of purchase 2. Was not apparent during a reasonable examination 3. Is serious enough to have influenced the purchase decision or price 4. Existed before the sale (or was germinating before the sale)

Examples: water infiltration hidden behind recent finishes, concealed mold, masked foundation defects, undisclosed buried oil tank, pyrite in foundations.

Buyer's recourse: action for price reduction (reduction of sale price) or contract rescission (cancellation with refund + damages). Prescription period is 3 years from discovery of defect.

**Non-liability clause**: the seller can exclude the legal warranty against hidden defects, but must do so explicitly in the deed of sale. This clause is common in estate sales.

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This definition is provided for informational purposes only and does not constitute legal, tax, or financial advice. For a personal situation, consult an AMF-licensed mortgage broker, notary, accountant, or the relevant financial institution.