Houses in Guangzhou also have insurance: you can apply for compensation from the insurance company for cracks and leaks in the wall.

65438+ 10/2, official website, Guangzhou Housing and Urban-Rural Development Bureau announced the detailed rules for the implementation of the Interim Measures for the Administration of Insurance for Potential Defects in Residential Engineering Quality in Guangzhou, which was jointly issued by Guangzhou Local Financial Supervision Administration and Guangzhou Planning and Natural Resources Bureau. The "Detailed Rules" are valid from February 24, 2020 to February 30, 2024.

Last August, the above three departments, together with Guangdong Supervision Bureau of China Banking and Insurance Regulatory Commission, issued the Interim Measures for the Administration of Insurance for Potential Defects in the Quality of Residential Projects in Guangzhou. Guangzhou requires that when transferring residential land, the land transferor should list the insured defect insurance as the transfer condition and the insured defect as the transfer contract; And encourage social investment projects under construction to buy insurance for potential defects in the quality of residential projects.

The Measures clarify that residential projects include commercial housing, affordable housing projects and other buildings in the same property management area.

The potential defects of engineering quality refer to the quality defects that cannot be found when the residential project is completed and accepted, and the engineering quality does not meet the mandatory standards of engineering construction, construction drawing design documents or contract requirements due to reasons such as survey, design, construction, supervision, building materials, building components and equipment. And exposure during use.

The insurance for potential defects in residential engineering quality refers to the insurance that is insured by the residential engineering construction unit, and the insurance company performs the obligation of compensation for the damage caused by potential defects in engineering quality to the insured building within the insurance scope and insurance period according to the insurance clauses.

The insurance for potential defects in residential engineering quality adopts * * * insurance mode, and the * * insurance subject consists of 1 main underwriting company and at least two subordinate underwriting companies, among which the main underwriting company should have the main underwriting experience of potential defects insurance for residential engineering quality in two or more cities in China, and have the main underwriting cases of 10 and above. The shares of the lead underwriting company shall not be less than 50%. * * * Insurance companies shall determine their respective underwriting shares, rights and obligations in the project in the form of * * * insurance agreements.

Insurance companies that meet the conditions of undertaking the main underwriting company shall be publicized on the information management platform of Guangzhou construction engineering quality insurance after being verified by the competent department of housing and urban and rural construction in Guangzhou. The construction unit shall select an insurance company that meets the requirements of the main underwriting company on the information platform to provide insurance services for potential defects in the quality of residential projects under construction. Before the information platform was put into operation, the competent department of housing and urban-rural construction in Guangzhou disclosed the information of the lead underwriting company in the form of documents. The main underwriting company shall prepare the Notice of Insurance for Potential Defects in Residential Engineering Quality, which shall specify the policy number, insurance liability, scope, time limit, claim application process, dispute resolution and other contents.

When the owner goes through the check-in formalities, the construction unit shall send the Notice of Residential Project Quality Hidden Danger Insurance, together with the Quality Guarantee of Commercial Housing and the Instruction Manual of Commercial Housing to the owner.

The quality guarantee of commercial housing shall include the following contents: the construction unit shall specify the name, contact telephone number and supervision telephone number of the unit responsible for maintenance before the insurance period begins; And specify the name and contact telephone number of the main underwriting company within the insurance period. The construction unit shall make a written commitment to the above contents in the commercial housing sales contract (pre-sale) and the commercial housing sales contract (current sale), and publicize it at the sales site.

Foundation and main structure engineering, thermal insulation and waterproof engineering are the basic guarantee, decoration engineering, building water supply and drainage engineering, ventilation and air conditioning engineering and building electrical engineering are mandatory additional risks, and intelligent building engineering, building energy-saving engineering and elevator engineering are optional additional risks. Whether to insure optional additional risks shall be determined by the construction unit and the insurance company through consultation.

For residential projects built with financial funds, the basic insurance coverage includes main insurance and optional additional insurance, and the total benchmark insurance rate is1.25%; The premium rate of commercial housing shall be determined by the construction unit and the insurance company on the basis of equality and voluntariness, taking into account the overall quality of the construction project, decoration standards, qualifications and integrity of the participants and other factors, and the premium rate shall not be lower than 1.35%.

For residential projects, the total cost of construction and installation works is taken as the compensation base, and the contract cost of the compensation base of commercial residential projects should be no less than 90% of the reference cost of the last year or the latest period of housing construction projects announced by the Guangzhou Municipal Engineering Cost Management Department. An insurance company shall not reduce the scope or amount of insurance by reducing the construction area or excluding the project cost of uninsured projects, or underwrite at a price lower than the normal market price, or engage in unfair competition at this cost.

The detailed rules stipulate that before the start of the insurance liability period, the construction unit, insurance company, risk management institution and construction unit * * * shall inspect the quality of the project, and if any quality defect or damage is found, the construction unit shall urge the construction unit to carry out maintenance, and the responsible party causing the delay shall be liable for compensation. The insurance company is not responsible for the loss or expanded loss caused by incomplete quality repair. Insurance companies have the right to include items that cannot be repaired or still do not meet the requirements of the specification.

After the insurance liability comes into effect, if the construction unit and the main underwriting company have differences on the responsibility for quality problems, or if the residential owner and the insurance company have differences on whether the residential quality problems belong to the insurance liability, they shall be settled in the way agreed in the contract.

In addition to taking regulatory measures in accordance with the law, Guangzhou regulatory authorities shall record the units and personnel who have broken their promises in the insurance of potential defects in engineering quality in the integrity files in accordance with relevant regulations. If there are more than two acts listed in the negative list of insurance companies and risk control management institutions, the administrative department of housing and urban and rural construction of Guangzhou Municipality will include them in the abnormal list. From the date of being identified as the behavior listed in the negative list for the second time, the information disclosure of new policies in the information platform and Guangzhou area will be suspended within 1 year.