Owners who insist on engineering quality insurance in Beijing can directly find insurance companies.

Recently, the Interim Measures for the Administration of Insurance for Potential Defects in the Quality of Residential Projects in Beijing (hereinafter referred to as the "Administrative Measures") was issued, and Beijing will achieve full coverage of new residential projects within the city.

The Administrative Measures stipulate that the construction units of new residential projects in Beijing, such as commercial houses, relocated houses, public rental houses, directional resettlement houses and * * property houses, shall handle the insurance for potential defects in project quality in accordance with the regulations before going through the construction permit procedures. The applicant is the construction unit, and the beneficiary and the claimant are the owners of residential projects.

The quality of commercial housing has always been one of the problems that puzzle buyers, and the promulgation of the "Management Measures" has a very positive significance. The "Legal Daily" reporter interviewed this.

Is the house leaking and the wall moldy? Building quality problems occur frequently.

For a long time, the potential defects of buildings have had a serious impact on consumers, and what is even more disturbing is the responsibility tracing, maintenance and claim after the problems occur.

Li Fang bought a new house in Daxing District of Beijing last year. In her view, if there is a problem with the housing, we usually look for property maintenance. If the property can't be solved, we'll find the developer.

"But some property companies will not take the initiative to be responsible for the quality of users' houses. In addition, if the prospects of the construction industry are not good, there may be business failures, which also leads to nowhere to compensate the losses of buyers. " Li Fang said.

Another owner of a newly purchased house with quality problems told reporters that after the developer of his community went bankrupt, the property management company subsequently withdrew, and problems such as water seepage in the house and moldy peeling of the wall were neglected for a long time.

"Because building defects usually involve many different subjects such as construction contractors and building materials suppliers, responsibility sharing is also a big problem, and it is often very difficult to obtain evidence and investigate." The owner said.

Another owner with housing quality problems told reporters, "After the leakage of multi-family toilets in the community, everyone is ready to apply for special maintenance funds for residential buildings. However, the residential property told me that the problem needs to be audited, and the application for residential maintenance fund needs to reach the corresponding number of households. As a special fund, the residential maintenance fund has high application threshold and slow application progress. In the end, the owner can only repair the house from his own pocket. "

According to the owner of a project in Changping District, Beijing, when they bought the property of the project a few years ago, they not only encountered the phenomenon of delaying the delivery of the house, but also appeared many housing quality problems such as empty floor, water seepage, peeling of the wall, damage to the radiator, exposed lines and cracking of the wall. At present, under the supervision of relevant departments, developers are carrying out repairs, but there are still owners who are worried about the quality of houses and the long-term maintenance of projects.

In the interview, the reporter also found that for housing quality problems, property buyers often do not pay enough attention beforehand and lack psychological preparation, and it is difficult to defend their rights once problems arise.

The reporter randomly visited several citizens who have plans to buy a house recently. They said that they are most concerned about whether they can save enough down payment and never worry about the quality of the house.

"Now only consider whether I can afford a house. Real estate built by big developers generally does not have quality problems. " A buyer who is waiting for the opening of a real estate said.

Pay attention to the house acceptance process? Confirm that the hardware is intact.

Regarding the quality of buildings, Wang, a construction engineer, said: "At present, domestic construction contractors are often only responsible for the construction quality of the owners for a certain period of time. Since the date of completion and acceptance of the project, the warranty period of the main structure of the building is generally 5 years, the water and electricity installation is 2 years, the decoration is 2 years, and the waterproof leakage is generally 5 years. During this period, problems with the house can be repaired or compensated by the relevant person in charge. "

In order to minimize the possibility of quality problems in newly purchased houses, Wang suggested that buyers must pay attention to the acceptance process of houses. At the time of acceptance, they need to confirm whether water, electricity and coal can be used, whether the drainage is smooth, and whether there is leakage in the kitchen and bathroom, balcony, bathroom and window of the external wall.

"It is best to do a 24-hour closed water test in the bathroom. Also check whether there are hollows and cracks in the walls, ceilings and floors, whether the doors and windows are flexible, whether the hardware fittings are complete, tight and leak-free, and suppress the leakage of heating and tap water pipes. Once problems are found, contact the property and developers in time. If the negotiation fails, they should consider resorting to legal rights protection. " Wang said to him.

Insurance companies share the responsibility? Someone must fix it and take care of it.

It is understood that the "Administrative Measures" takes residential projects with more disputes over project quality warranty as the starting point, and requires coverage of quality defects involving the quality and safety of the main structure and main functions, such as foundation, main structure, waterproof and thermal insulation works.

The Administrative Measures require insurance companies to formulate an implementation plan for project quality risk assessment, and entrust an independent third-party risk management agency to implement risk management in the whole process of project survey, design, construction and maintenance.

At the same time, it is stipulated that after the potential defect insurance of engineering quality is insured, the insurance company shall bear the insurance liability agreed in the contract to repair the quality problems of residential projects, reduce all kinds of disputes and social contradictions caused by the failure to find the warranty subject, and ensure that the quality problems of residential buildings are repaired and managed.

An insurance industry practitioner told reporters that on the one hand, the intervention of insurance companies can provide consumers with certain housing quality problems, on this basis, reduce related disputes, avoid taking up too much resources of administrative supervision departments and judicial organs, and reduce management costs; On the other hand, in order to protect their own interests and reduce operational risks, insurance companies will inevitably play a certain supervisory role for developers.

Sun Xi, a senior insurer, told the reporter that the main reason for the lack of popularization of domestic construction engineering insurance at present is that the relevant supporting systems are still not perfect. In the pilot operation, there are some problems, such as high insurance premium rate and no difference in insurance premium rate, which lead to the slow implementation of insurance for potential defects in engineering quality.

"Due to the high investment, high risk and poor financial stability in the initial development of related insurance products, many insurance companies lack the enthusiasm for developing and operating engineering quality insurance. In addition, as the demander of engineering quality insurance products, developers will increase the cost of engineering construction, and because of the complexity and lag of engineering quality, they will not take the initiative to insure engineering quality insurance without external mandatory requirements, and may even resist engineering quality insurance. " Sun Xi said that the lack of a good external environment is also the reason why it is difficult to implement the insurance for potential defects in engineering quality quickly.

"Some people lack insurance awareness and don't understand engineering quality insurance. These factors have led to the loss of external assistance for engineering quality insurance. " Sun Xi said.

Faced with these problems, Sun Xi believes that in the process of carrying out the insurance for potential defects in the quality of construction projects, we should further improve the relevant laws and regulations such as the Building Law and the Regulations on the Quality Management of Construction Projects, increase the content of the compulsory insurance system for the quality of residential projects, and at the same time add relevant conditions in the relevant links such as loans and sales of construction projects to ensure the smooth implementation of the insurance for potential defects in the quality of construction projects.

"Risk management institutions can be introduced as independent third-party institutions to monitor the quality of construction projects on behalf of insurance companies, including initial risks, survey and design quality and construction quality." Sun Xi said.

(At the request of the interviewee, all the articles are pseudonyms)?