The rules put forward, Hainan Province, Haikou City, Danzhou City, as the quality of housing construction projects potential defects in the insurance of the first cities and counties; Yangpu Economic Development Zone, Haikou Jiangdong New District, Boao Lecheng International Medical Tourism Pioneer Area, Sanya Yazhou Bay Science and Technology City four parks for the first pilot pilot areas from the protection of housing and commercial residential projects to carry out the pilot, in particular to encourage the grass-roots teachers and medical personnel, etc. Housing as the first pilot; at the same time, to encourage other cities and counties with ripe conditions, as well as commercial residential projects with reference to the implementation.
China Real Estate News reporter learned that Hainan Province, engineering quality of potential defects in the insurance coverage of four categories: First, the foundation and the main structure of the project appeared to collapse, collapse, uneven settlement or affect the structural safety of the cracks, deformation, breakage, fracture and other cases; second, waterproofing requirements of the parts of the leakage; third, thermal insulation project enclosure of the heat preservation and insulation layer is broken, The fourth is other works included in the additional insurance such as electrical pipeline works, decoration works and other additional insurance.
Premiums calculated on the basis of the total cost of construction and installation of the construction project (protective housing and commercial residential projects), the rate by type of project classification (specific rates determined by the construction unit and the insurance company on the basis of equal and voluntary negotiation). The construction unit selects the insurance company from the list of insurance companies with primary underwriting qualifications determined by the Bureau of Banking and Insurance Supervision of Hainan Province, signs the insurance contract with it and performs the relevant duties.
The owner files a claim for quality problems within the insurance coverage, the insurance company promptly organizes on-site investigation, and the insurance company performs the repair or compensation obligations for those that are the responsibility of the insurance; for those that are not the responsibility of the insurance, the insurance company sends a notice of non-compensation to the owner of the building and explains the reason for the notice. The insurance company has the right to subrogate to the unit responsible for the quality defects, according to laws and regulations or contractual agreements, to the design unit, construction unit, equipment and material suppliers and other responsible parties to pursue legal responsibility.
It is also reported that, for the existence of illegal and irregular behavior of the insurance company, by the Hainan Banking and Insurance Bureau in accordance with the provisions of the administrative penalties imposed by the administrative department in charge of housing and construction to give a poor record, prohibited from undertaking business, cancel the qualification of underwriting and other related processing; for the existence of illegal and irregular behavior of the TIS institutions and professionals engaged in the construction of the administrative department in charge of housing and construction to give its poor record, prohibit the undertaking of business, disqualification and other related treatment; for the construction, construction and other units that do not cooperate and do not rectify according to the regulations, the administrative department in charge of housing and construction shall give orders to make corrections in good faith and other treatments, and administrative penalties shall be imposed according to the law.
The rules also proposed to explore the expansion of the scope of responsibility of the insurance agency, encouraging pilot areas to gradually explore the construction plan review, supervision of quality content into the scope of insurance, the insurance agency hired by the third-party quality risk control organization is responsible for the quality of the construction plan review, supervision of the project control. Gradually explore the cultivation of professional, efficient, independent of the new regulatory model of construction projects, really take the lead in Hainan Province to take advantage of the opportunity of system integration and innovation in the national engineering reform to achieve the original leading for the construction of Hainan Free Trade Port to do a good job of system security.
The relevant person in charge of the Hainan Provincial Department of Housing and Construction introduced, at present, China's housing construction in the project after the completion and acceptance of the quality problems mainly rely on the quality of the deposit to repair the warranty period of up to 2 years, can not cover the housing in the expiration of the quality problems. In contrast, the engineering quality of potential defects insurance insurance period is longer, and by the insurance company to pay first, the future generation for the recovery of the responsible party, can better safeguard the interests of the majority of owners.