What's the matter with the compulsory insurance for new houses? The defects of houses can be claimed. The "Interim Measures of Beijing Municipality on the administration of insurance for potential defects in residential engineering quality" is open to the public, and the insurance shall be calculated two years after the project has passed the acceptance. Follow Xiaobian to understand.
New housing to be compulsory insurance, housing defects can claim
The three departments shall formulate measures to solicit opinions publicly; the insurance shall be calculated from 2 years after the project passes the acceptance, and the housing quality defects can apply for claims
In the future, if the owner of a new house in Beijing finds the quality defect of the house, he is expected to file a claim with the insurance company. Yesterday, the Beijing Municipal Commission of housing and urban rural development, the Beijing Municipal Local Financial Supervision and Administration Bureau, and the Beijing regulatory bureau of the Bank of China Insurance Regulatory Commission jointly formulated the "Interim Measures for the administration of insurance against potential defects in the quality of residential projects in Beijing" for public comments.
Compulsory insurance for new residential land
According to the draft, the potential defects of project quality refer to the defects of project quality that are not found during the completion acceptance of residential projects, which are caused by the quality reasons of survey, design, construction, supervision, building materials, building components and equipment, and do not meet the requirements of construction drawing design documents, engineering construction standards and contracts, and are exposed in the process of use.
Which projects should be covered by this kind of insurance? The draft shows that those who are engaged in the insurance activities of potential defects in the construction quality of new, reconstructed and expanded residential projects within the administrative region of Beijing, as well as the supervision and management of the insurance activities of potential defects in the construction quality, should abide by the measures.
For a new residential project, the insurance for potential defects of project quality shall be listed as a condition of land transfer in the land transfer contract. This also means that the insurance is compulsory for new residential land.
The insurance shall be calculated from 2 years after the completion acceptance
According to the draft, the starting time of insurance liability during the insurance period shall be calculated from two years after the construction project is completed and accepted.
The construction unit shall be responsible for the organization and maintenance of potential defects in the quality of residential projects from the date of completion acceptance to the time of insurance liability.
If the house is delivered after the expiration of the insurance period, the construction unit shall notify the insurance company and the owner for joint acceptance 15 days before the delivery of the house. If there are quality defects, the construction unit shall bear the liability for compensation.
Unauthorized demolition and alteration of the load-bearing structure of the house is not covered by the insurance
The draft also stipulates that the three cases are not covered by insurance liability.
First of all, the owner or user of the House fails to comply with the relevant requirements of the "housing construction instructions", does not use the house reasonably according to the design purpose, increases the load beyond the design standard, demolishes and changes the load-bearing structure of the house without authorization, and changes the equipment position without authorization.
Secondly, in the process of using the house, the quality defects caused by the third party other than the owner or user of the house. In addition, the quality defects caused by force majeure stipulated in the contract.
In addition, if the owner discovers the quality defects within the scope of insurance during the insurance period, he can apply to the insurance company for compensation.
After receiving the claim, the insurance company shall send personnel to the scene within two days. The insurance company shall make an approval within seven days after receiving the owner's claim application; in case of complicated circumstances, it shall make an approval within 30 days and inform the owner of the approval result. For those with insurance liability, the insurance company shall perform the maintenance or compensation obligations within seven days from the date of reaching the compensation agreement with the construction unit.
What defects are covered by insurance?
1、 Foundation engineering and main structure engineering
Overall or partial collapse;
The uneven settlement of the foundation is beyond the design specification;
There are cracks, deformation, damage and fracture in the foundation and main structure which affect the safety of the structure;
The balcony, awning, overhanging eaves, air conditioning board and other overhanging components have cracks, deformation, damage and fracture that affect the use safety;
External wall falling off, collapse and other quality defects affecting the use safety;
Other potential defects in foundation and main structure that affect structural safety.
2、 Insulation and waterproofing works
Thermal insulation engineering of enclosure structure;
Underground, roof, toilet and bathroom waterproof leakage;
Leakage of external wall (including the junction of external window and external wall);
Leakage of other parts with waterproof requirements.