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GibsonT
Hopefully someone with more legal knowledge than I will be able to help with some of these questions Jon. To me, it would seem prudent to accept the default bylaws AND add an insurance clause(s).
I think the question is: are the bylaws fit for purpose?
For example, many small condos will find it best to use the default bylaws – certainly 12 units or less. However, if the condo is larger or more complex, then it is worthwhile and essential to have site specific bylaws, in my opinion.