Xinhua News Agency, Haikou, February 26 (Reporter Wang Cunfu) Hainan Provincial Department of Housing and Urban-Rural Development, Hainan Provincial Banking and Insurance Regulatory Bureau, Hainan Provincial Development and Reform Commission and other departments have recently jointly issued a document to try out "Insurance for Potential Defects in Housing Construction Quality" in some areas of Hainan.
According to the “Implementation Rules for the Insurance of Potential Defects in the Quality of Housing Construction Projects in Hainan Province (Trial)” issued, the owner can apply for a claim to the insurance company if he finds that the residential project has quality defects within the insurance coverage during the insurance period.
The detailed rules clearly indicate that Hainan Province has four types of insurance coverage for potential defects in engineering quality, including the collapse and collapse of the main structure, leakage in parts with waterproof requirements, etc., and different types of insurance. The insurance period is 10 years, 5 years, and 2 The year varies, and there is a waiting period of 2 years before the insurance period.
The detailed rules are clear. Hainan Province takes Haikou City and Danzhou City as the leading cities and counties for insurance of potential defects in housing construction engineering quality; Yangpu Economic Development Zone, Haikou Jiangdong New District, Boao Lecheng International Medical Tourism Pioneer Zone, and Sanya Yazhou Bay Science and Technology City The four parks are the first pilot areas. Pilot projects will be carried out from affordable housing and commercial housing projects, especially for grassroots teachers and medical staff. At the same time, other cities and counties with mature conditions and commercial housing projects are encouraged. Refer to implementation.
The premium calculation base is the total construction and installation cost of construction projects (affordable housing and commercial residential projects), and the rate is determined by project type (the specific rate is negotiated and determined by the construction unit and the insurance company on an equal and voluntary basis).
The construction unit selects an insurance company from the list of insurance companies qualified for main insurance as determined by the Banking and Insurance Regulatory Bureau of Hainan Province, signs insurance contracts with them, and performs related duties.
According to the relevant person in charge of the Hainan Provincial Department of Housing and Urban-Rural Development, the quality problems of my country's housing construction after the completion of the project are mainly repaired by quality guarantee funds. The warranty period is up to 2 years, which cannot cover the quality problems that occur after the expiration of the house.
In contrast, the project quality potential defects insurance has a longer insurance period, and the insurance company pays the compensation first, and the subsequent generation is the party responsible for the recovery, which can better protect the interests of the owners.