Yangxin County Housing and Urban -Rural Development Bureau promoted engineering quality defect insurance system for innovation and escorting "thousands of households"

The quality of new houses is a hot spot for social attention. How to enhance the ability to prevent and resolve engineering quality risks and safeguard the legitimate rights and interests of the people? A few days ago, the Yangxin County Housing and Construction Bureau took the lead in the province to introduce the guidance of the potential defect insurance system for construction engineering projects, and implemented it on August 1, 2022.

Project quality potential defect insurance refers to the purchased from the project construction unit to the insurance institution. During the scope and period of the insurance contract, the quality problems that occur or affect the original design function under normal use. Insurance products that compensate for obligations. Engineering quality insurance is the basic means of preventing and resolving engineering quality risks under the conditions of market economy, and it is also an important way to play the role of the market for engineering quality guarantee. The purpose of this move is to further optimize the business environment, implement the primary responsibility of the quality of the construction unit, establish a mechanism for engineering quality risk protection, and safeguard the legitimate rights and interests of property owners and users.

The County Housing and Construction Bureau pointed out that the construction unit purchased quality insurance before applying for a construction permit and signed a written insurance contract with the insurance company. Insure information such as the insured institution, insurance content, insurance period, and claim process as the content of the project quality information, write the "Engineering Quality Guarantee", and provide the buyers and users when paying the house. Quality insurance premiums are included in the construction cost, and its calculation base is the total price of construction and installation projects for insurance projects. The insurance rate shall be determined by factors such as the size of the project, the complexity of the project, the degree of technical complexity, the risk assessment, the main credit of the participating entity, the historical claim data, and the insurance market status. Insurance institutions report the insurance terms and rates to the insurance supervision and management agency and bear legal responsibilities in accordance with the law.

The County Housing and Construction Bureau stipulates that the insurance period of engineering quality insurance is calculated from the date of delivery. The insurance scope and insurance period refer to the relevant provisions of the maintenance scope and period in the "Regulations on the Quality Management of Construction Engineering" of the State Council. Essence

The County Housing and Urban Construction Bureau requires that the maintenance or claim application for the buyer (or user) who has been insured projects is within the scope of the insurance liability, and the underwriting institution will organize the rapid maintenance or pay for the time limit for the time limit of the insurance contract; it is not an insurance liability for insurance liability; Within the scope, the underwriting agency shall issue a written notice of non -maintenance (compensation) in time and explain reasonable reasons. After the underwriting agency fulfills the maintenance or compensation liability, it has the right to recovery in accordance with the law, and can recover from the relevant participating responsible subjects other than the construction unit. The primary responsibility of the construction unit, other participating units and relevant personnel responsibilities are not removed due to the quality insurance of the construction unit insured, and relevant units are encouraged to insure occupational liability insurance. Except for force majeure, quality insurance shall not be lifted or changed without authorization. It is indeed necessary to change, and the changing insurance range and period should not be less than or lower than the original insurance contract. After the quality insurance contract takes effect, if the construction unit bankrupt or actually suspends in accordance with the law, the underwriting agency shall still bear the insurance liability stipulated in the insurance contract according to law.

Industry insiders said that this new measure may effectively resolve the contradiction between the quality of housing, which will help solve the confusion such as difficulty in defending rights, high rights protection costs, and long processing cycle of houses in today's society. Effectively safeguard the legitimate rights and interests of the owner of the house.

Correspondent: Ke Yulian

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