Anhui will try to "buy insurance" for houses.

6543810.3, this newspaper (www.thepaper.cn) learned from the official micro-signal "Hefei Release" of the Press Office of Hefei Municipal People's Government of Anhui Province that in order to improve the quality level of residential projects and reduce complaints about the quality of residential projects, the Anhui Provincial Department of Housing and Urban-Rural Development and the Anhui Banking Insurance Regulatory Bureau recently jointly issued the Notice on Further Promoting the Pilot Work of Residential Project Quality Insurance (hereinafter referred to as the Notice) to pilot the implementation of the residential project quality insurance system.

Regarding the scope of this pilot project, the Notice clarifies that all localities should choose to pilot the implementation of project quality insurance from residential projects under the guidance of the local housing and urban-rural construction departments. Residential projects include commercial housing and affordable housing projects, as well as other buildings in the same property management area. Other projects can also refer to the pilot.

The basic guarantee scope of residential engineering quality insurance mainly includes five aspects, covering basic engineering and main structure engineering; Enclosure and waterproof works; Decoration project; Installation of electrical pipelines, water supply and drainage pipelines and equipment; Heating and cooling system engineering.

In addition, some quality problems that are easy to cause disputes and complaints are also included in this underwriting. For example, cracks, deformation and damage of the main load-bearing components of the house; External wall insulation layer falls off; Waterproof works such as roofs, walls, basements and garages; Anti-leakage treatment of doors, windows, external walls, etc.

According to the notice, based on the basic principles of "the main responsibilities of all parties to the project quality remain unchanged" and "risk prevention and control are in place, the rate is reasonable, and claims are convenient and timely", the types of insurance in this pilot are divided into project quality assurance insurance; Engineering quality potential defect insurance (idi); Three types of special quality insurance.

Among them, the project quality warranty insurance is generally insured by the construction unit, and the underwriting period is consistent with the project quality warranty period, from the date of project completion acceptance to the end of the warranty period.

According to the agreement, the insurance institution shall perform the warranty and compensation obligations for the damage and loss of the insured building caused by the engineering quality problems during the insurance period.

When the quality defects of the project are not found at the time of completion acceptance and exposed during normal use, you can also choose the risk of potential defects of the project quality.

Special quality insurance means that all localities can actively explore property maintenance insurance, elevator quality insurance, curtain wall quality insurance, roof waterproof quality insurance and other special insurance. Using social forces to solve the quality problems of current residential projects.

The "Notice" mentioned that the above-mentioned insurance types can be piloted separately or combined according to market demand, and promoted in the form of combined insurance types.

In terms of claims, the Notice pointed out that insurance institutions should formulate operating procedures for claims that fully protect the rights and interests of the insured, and compile Notes on Quality Insurance of Residential Projects, which should specify the insurance liability, scope, time limit and claim application process.

During the insurance period, if the owner thinks that there are quality defects in the project, he may lodge a claim with the insurance institution or the professional service institution such as the property service enterprise entrusted by the insurance institution. An insurance institution shall establish a convenient claim settlement process, accept the owner's claim settlement application, and organize on-site survey and maintenance.

For the insured, the insurance institution shall perform the obligation of compensation within ten days from the date of reaching a compensation agreement with the insured. For those who do not belong to the insurance liability, the insurance institution shall issue a notice of no compensation to the owner within three days from the date of approval, and explain the reasons.