Régie du bâtiment du Québec

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Guarantee Plan

Information on managers

This page provides the Guarantee Plan managers’ contact information and financial data. It also lists the management policies of the manager.

Click on the topic you’re interested in to scroll down the page and learn more:

Contact information

The guarantee manager with which your building is registered depends on the date of purchase and the starting date of work on your new residence.

Signing of the preliminary contract AND beginning of the work in 2015:

GARANTIE DE CONSTRUCTION RÉSIDENTIELLE (GCR)

4101, rue Molson, bureau 300
Montréal (Québec) H1Y 3L1
Tel.: 514 657-2333, 1 855 657-2333
info@garantiegcr.com
www.garantiegcr.comThis link open an external website of the Régie du bâtiment du Québec in a new window.

Signing of the preliminary contract OR beginning of the work in 2014 (or before):

RAYMOND CHABOT ADMINISTRATEUR PROVISOIRE INC.
600, rue De La Gauchetière Ouest, bureau 2000
Montréal (Québec) H3B 4L2
Contact: Mr. Nicolas Boily

For claims:

LA GARANTIE ABRITAT INC.
clientele@abritat.ca

LA GARANTIE HABITATION DU QUÉBEC INC.
reclamation@qualitehabitation.com

LA GARANTIE DES MAISONS NEUVES
clientele@abritat.ca

Financial data

The financial data is taken from the annual report supplied by each guarantee plan manager authorized or appointed by the Régie du bâtiment du Québec, in accordance with section 64 of the Regulation respecting the guarantee plan for new residential buildings. This information is disclosed to the public according to section 81.2 of the Building Act.

Garantie de construction résidentielle

Since January 1, 2015, the Garantie de construction résidentielle (GCR), a non-profit organization, manages the Guarantee Plan for New Residential Buildings.

Balance sheet
Data of the balance sheet On December 31, 2019 On December 31, 2020

Assets – Reserve

$45,350,365

$51,366,622

Assets – Total of assets

$84,704,524

$86,804,194

Liabilities – Actuarial reserve

$54,299,692

$57,630,975

Liabilities – Total of liabilities

$81,138,973

$74,672,772

Total of net assets (deficiency)

$3,565,551

$12,131,422

Required excess (according to section 48 of the regulation)

$1,500,000

$2,708,245

Net assets (according to section 48 of the regulation regarding the streamlining according to the Order in Council 156-2014, section 55)

$15,065,511

s.o
Income statement
Data of the income statement On December 31, 2018 On December 31, 2020
Written premiums

$13,112,778

$18,823,394
Membership fee

$1,373,294

$1,243,625
Investment income

$933,329

$1,687,656
Total revenue

$18,487,890

$24,790,798
Claims and claim costs

$3,590,288

$4,180,954
Variation of actuarial reserve (transfer to reserves)

$10,506,355

$6,016,257
Total of expenses

$15,988,748

$16,224,927
Excess of revenue over expenses before taxes

$2,499,143

$8,565,871
activities of the guarantee plan manager
Data regarding the activities of the Guarantee Plan manager On December 31, 2018 On December 31, 2020
Number of issued certificates

15,045

15,022

Number of accredited contractors

3,034

2,750

Number of handled complaints (the “$100 files” referred to in sections 17.1, 18, 33.1 and 34 of the regulation)

611

1,093

La Garantie Habitation du Québec

Raymond Chabot administrateur provisoire inc. manages La Garantie Habitation du Québec inc. (GHQ) of the Association de la construction du Québec (ACQ) since March 10, 2020.

Balance sheet
Data of the balance sheet On December 31, 2019 On December 31, 2020
Assets – Reserve

$1,649,782

$6,224,524
Assets – Total of assets

$1,840,152

$6,524,342
Liabilities – Actuarial reserve

$14,304,720

$10,689,959
Liabilities – Total of liabilities

$20,200,183

$26,806,655
Total of net assets

($18,360,031)

($20,282,313)
Income statement
Data of the income statement On December 31, 2019 On December 31, 2020
Written premiums

$0

$0

Membership fee

$0

$0

Investment income

$66,102

$72,079
Total revenue

$55,086

$19,351
Claims and claim costs

$7,758,786

$5,155,838
Variation of actuarial reserve (transfer to reserves)

($2,944,574)

($3,614,761)
Total of expenses

$4,873,210

$1,941,633
Excess (deficiency) of revenue over expenses before taxes

($4,818,124)

($1,922,282)
Activities of the guarantee plan manager
Data regarding the activities of the Guarantee Plan manager On December 31, 2019 On December 31, 2020
Number of issued certificates 2 0
Number of accredited contractors 0 0
Number of handled complaints (the “$100 files” referred to in sections 17.1, 18, 33.1 and 34 of the regulation) 145 108

La Garantie des maisons neuves

Raymond Chabot administrateur provisoire inc. manages the La garantie des maisons neuves (GMN) of the Association des professionnelles de la construction et de l’habitation du Québec (APCHQ) since June 19, 2013.

Balance sheet
Data of the balance sheet On December 31, 2019
Restated
On December 31, 2020
Assets – Reserve

$47,805,873

$88,809,583
Assets – Total of assets

$48,272,249

$108,884,362
Liabilities – Actuarial reserve

$0

$16,094,000
Liabilities – Total of liabilities

$95,045,467

$88,659,844
Total of net assets

($46,773,218)

$20,224,518
Income statement
Data of the income statement On December 31, 2019
Restated
On December 31, 2020
Written premiums

$0

$0

Membership fee

$0

$0

Investment income

$108,280

$15,601
Total revenue

$125,329

$27,688
Claims and claim costs

$3,945,642

($85,368,975)
Variation of actuarial reserve (transfer to reserves)

$0

$16,094,000
Total of other expenses

$2,235,473

$2,304,927
Excess (deficiency) of revenue and expenses before taxes

($6,055,786)

$66,997,736
Activities of the guarantee plan manager
Data regarding the activities of the Guarantee Plan manager On December 31, 2019 On December 31, 2020
Number of issued certificates 0 0
Number of accredited contractors 0 0
Number of handled complaints (the “$100 files” referred to in sections 17.1, 18, 33.1 and 34 of the regulation) 7 3

La Garantie Abritat

Raymond Chabot administrateur provisoire inc. manages the La Garantie Abritat inc. (formerly known as the Garantie des Maîtres Bâtisseurs) of the Association des professionnelles de la construction et de l’habitation du Québec (APCHQ) since January 1, 2015.

Balance sheet
Data of the balance sheet On December 31, 2019 On December 31, 2019

Assets – Reserve

$19,951,050

$16,327,500

Assets – Total of assets

$20,454,191

$16,858,408

Liabilities – Actuarial reserve

$19,001,000

$15,550,000

Liabilities – Total of liabilities

$31,833,441

$32,466,108

Total of net assets (deficiency)

($11,379,250)

($15,607,700)
Income statement
Data of the income statement On December 31, 2019 On December 31, 2020
Written premiums

$250

($1,060)

Membership fee

$0

$0

Investment income

$238,123

$13,935
Total revenue

$230,482

$188,256
Claims and claim costs

$4,785,671

$6,387,189
Variation of actuarial reserve (transfer to reserves)

($8,929,000)

($3,451,000)
Total of other expenses

$1,732,864

$1,480,517
Excess (deficiency) of revenue and expenses before taxes

$2,644,192

($4,228,450)
Activities of the guarantee plan manager
Data regarding the activities of the Guarantee Plan manager On December 31, 2019 On December 31, 2020
Number of issued certificates

2

0

Number of accredited contractors

0

0

Number of handled complaints (the “$100 files” referred to in sections 17.1, 18, 33.1 and 34 of the regulation)

196

84

Management policies of the manager

To avoid any conflict, whether real or apparent, between the construction industry and the Guarantee Plan management, the Regulation respecting the guarantee plan for new residential buildings provides management policies to regulate managers. These policies have been developed by the Régie du bâtiment du Québec (RBQ). This organization has the power to impose sanctions if a manager does not fulfill their obligations, e.g. by not following these policies:

The new Regulation respecting the guarantee plan for new residential buildings came into force on January 1, 2015. The management policies are part of many amendments that were adopted to rectify the problems identified during the program evaluation and in common practice.

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