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市住房城乡建设委、市规划自然资源委、市金融监管局、北京银保监局《北京市住宅工程质量潜在缺陷保险暂行管理办法》已经市政府同意，现转发给你们，请认真贯彻执行。
北京市人民政府办公厅
2019年4月24日
北京市住宅工程质量潜在缺陷保险
暂行管理办法
北京市住房和城乡建设委员会 北京市规划和自然资源委员会
北京市地方金融监督管理局 中国银行保险监督管理委员会
北京监管局
第一章 总则
第一条 为建立健全工程质量风险管控体系，全面提升住宅工程质量水平，切实保障住宅工程产权所有人合法权益，根据《中华人民共和国建筑法》《中华人民共和国保险法》《中华人民共和国合同法》《北京市建设工程质量条例》等法律法规，结合本市实际，制定本办法。
第二条 本办法所称住宅工程质量潜在缺陷保险(以下简称缺陷保险)，是指由住宅工程建设单位投保的，保险公司根据保险条款约定，对在保险范围和保险期间内出现的因工程质量潜在缺陷所导致的投保建筑物损坏，履行赔偿义务的保险。
前款住宅工程，包括住宅工程和在同一物业管理区域内其他建筑物。
本办法所称工程质量潜在缺陷，是指住宅工程在竣工验收时未能发现的，因勘察、设计、施工、监理及建筑材料、建筑构配件和设备等原因造成的工程质量不符合工程建设标准、施工图设计文件或合同要求，并在使用过程中暴露出的质量缺陷。
本办法所称业主，是指住宅或者其他建设工程所有权人，为保险合同的受益人和索赔权益人。
第三条 本市推行住宅工程质量潜在缺陷保险制度。在本市行政区域内从事新建、改建、扩建住宅工程的缺陷保险活动，及对缺陷保险活动实施监督管理的，应当遵守本办法。
第四条 本市新建住宅工程项目，在土地出让合同中，将投保缺陷保险列为土地出让条件，并要求选择具备相应能力的保险公司。
第二章 保险范围及责任
第五条 缺陷保险的基本承保范围为地基基础和主体结构工程、保温和防水工程，具体范围按照《建筑工程施工质量验收统一标准》(GB50300)的规定执行。
(一)地基基础和主体结构工程缺陷包括：1.整体或局部倒塌；2.地基产生超出设计规范允许的不均匀沉降；3.基础和主体结构部位出现影响结构安全的裂缝、变形、破损、断裂；4.阳台、雨蓬、挑檐、空调板等悬挑构件出现影响使用安全的裂缝、变形、破损、断裂；5.外墙面脱落、坍塌等影响使用安全的质量缺陷；6.其他地基基础和主体结构部位出现的影响结构安全的工程质量潜在缺陷。
(二)保温和防水工程缺陷包括：1.围护结构的保温层破损、脱落；2.地下、屋面、厕浴间防水渗漏；3.外墙(包括外窗与外墙交接处)渗漏；4.其他有防水要求的部位渗漏。
建设单位投保缺陷保险的保险期间，地基基础和主体结构工程为10年，保温和防水工程为5年。保险责任开始时间自建设工程竣工验收合格2年之日起算。
住宅工程在竣工验收合格之日至保险责任开始时间内出现的工程质量潜在缺陷，由建设单位负责组织维修。保险期间届满后交房的住宅工程，建设单位应当在交房前15日通知保险公司、业主共同验收，若存在质量缺陷，由建设单位承担维修或赔偿责任。
保险合同约定的保险范围和保险期间之内，由保险公司履行维修或赔偿责任；保险合同约定的保险范围之外或保险期间到期之后的工程保修范围和保修期间，执行国家和本市法律法规和标准的有关规定，但对于保险期间届满后交房的，业主在交房之日起6个月内，发现承保范围内的建筑存在质量缺陷的，由保险公司承担维修或赔偿责任。
第六条 保险公司对以下项目可以附加险的方式为建设单位提供保险服务：建筑装饰装修工程、建筑给水排水及供暖工程、通风与空调工程、建筑电气工程、智能建筑工程、建筑节能工程、电梯工程等。
附加险的具体保险范围、保险期间和保险责任开始时间等由建设单位和保险公司在保险合同中约定。
第七条 鼓励勘察、设计、施工、监理、预拌混凝土生产及建筑预制构配件生产供应等有关单位及其人员投保工程质量责任保险。施工单位投保工程质量责任保险的，建设单位不得预留工程质量保证金。
鼓励缺陷保险与建筑安装工程一切险、参建主体责任险等工程类保险综合实施，全面降低工程质量风险。
第八条 存在下列情形之一的，不属于保险责任范围：
(一)房屋所有权人或使用人超过设计标准增大荷载、擅自拆改房屋承重结构、擅自改变设备位置等未按照《房屋建筑使用说明书》相关要求或设计用途正常使用造成的质量缺陷；(二)在房屋使用过程中，因房屋所有权人或使用人以外的第三方造成的质量缺陷；(三)合同约定的不可抗力造成的质量缺陷。
第九条 建设单位应当以书面形式向相关参建单位告知投保缺陷保险的相关情况，明确参建单位配合保险公司开展工程质量风险评估工作的相关义务。
第三章 投保与承保
第十条 投保缺陷保险的建设单位应当在办理施工许可手续前，与保险公司签订书面保险合同，并一次性支付合同约定的保险费(其中，含不高于保险费30%的风险管理费用)。
一个工程项目作为一个保险标的，出具一份保险单，保险合同涵盖的范围包括投保的住宅工程和同一物业管理区域内的其他建筑物，保险公司在该保单项下承担的最大赔偿限额为保单记载的保险金额。
保险公司应当制定工程质量风险评估实施方案、保险告知书、保险理赔应急预案等，并经建设单位确认后，作为保险合同的附件。
保险公司在最终评价报告中指出建设项目存在严重质量缺陷，且在竣工时没有得到实质性整改的，不得通过该建设项目的竣工验收。
第十一条 保险公司按照法律法规及有关规定，根据建设工程风险程度、工程技术复杂程度、参建单位企业资质和诚信情况、风险管理要求、历史理赔数据、再保险市场状况等，公平、合理拟订缺陷保险的保险条款和保险费率，并对保险条款和保险费率依法承担责任。
保险公司按照建筑安装工程总造价的预算价计算保险费，建设单位及时支付合同约定的保险费用。
投保地基基础和主体结构工程、保温和防水工程缺陷保险的不计免赔额，其他附加险免赔额由建设单位与保险公司在保险合同中约定。
第十二条 保险公司按照规定将缺陷保险的保险条款和保险费率报送保险监督管理部门核准，需修改保险条款或保险费率的，按照有关规定重新报送核准。保险公司严格执行核准后的保险条款和保险费率。
第十三条 保险公司编制《工程质量潜在缺陷保险告知书》，内容包括保险范围、保险期间、保险责任开始时间、保险理赔流程、负责保险理赔工作的部门及其联系方式、业主变更通知义务等。在业主办理房屋交付手续时，建设单位将《工程质量潜在缺陷保险告知书》随《房屋建筑质量保证书》《房屋建筑使用说明书》一并交付业主。
第十四条 保险合同依法成立后，建设单位如要解除合同、变更保险公司或者变更保险合同内容，对已经销售的住宅工程，应当征得全部买受人的书面同意。
保险合同生效后，建设单位依法解散、破产的，保险公司承担保险合同约定的保险责任。
在保险期间内住宅或者其他建筑物所有权转让的，保险标的受让人承继建设单位本保单下的权益。
第十五条 缺陷保险的承保采取共保模式。
共保体由牵头保险公司和至少两家成员保险公司组成，并实行统一保险条款、统一保险费率、统一理赔服务、统一分配份额、统一信息平台。
由市住房城乡建设、金融监管部门通过公开招标方式，选择注册资本金充裕，综合偿付能力充足，风险管理能力强，承保理赔服务优质，具有一定的缺陷保险承保经验，信用良好的保险公司，供建设单位投保时选择。
第十六条 保险公司应当建立缺陷保险信息平台，所有承保缺陷保险和责任保险的保险公司应将承保信息、工程质量风险评估信息和理赔信息等录入该信息平台。
第四章 工程质量风险管理
第十七条 保险公司制定的工程质量风险评估实施方案，应包括具体实施工程质量风险评估的机构及其人员情况，工程质量风险评估的具体实施范围、实施计划、关键节点、重点工序，需要建设单位配合的具体事项和通知义务等。
第十八条 缺陷保险合同签订后，保险公司应当委托建设工程质量风险管理机构(以下简称风险管理机构)实施风险管理。保险公司应当与风险管理机构签订书面委托合同，依法约定双方的权利和义务。
风险管理机构不得与该工程参建单位存在关联关系，不得直接或间接参与该工程的勘察、设计、施工、监理和材料供应等工作。
风险管理机构按照法律法规、工程建设标准、施工图设计文件和保险合同的要求，对建设工程实施工程质量风险评估，并向保险公司和建设单位出具工程质量风险过程评估报告和最终评估报告，评估报告应当明确检查发现的质量缺陷和整改情况。
建设单位接到评估报告后应当责成施工单位及时整改质量缺陷问题。保险公司和建设单位就报告中工程质量缺陷认定存在争议的，按照保险合同中双方约定的方式解决。
第十九条 鼓励建设工程相关行业协会、全过程工程咨询机构等社会中介机构积极参与缺陷保险制度实施，充分发挥专业作用。
第五章 保险理赔
第二十条 业主在缺陷保险的保险期间内或期间届满后交房且业主在交房之日起6个月内发现工程存在保险范围内的质量缺陷的，可以向保险公司提出索赔申请。
保险公司收到索赔申请后，应当在二日内派员现场查勘。保险公司应当在收到业主索赔申请后的七日内作出核定；情形复杂的应当在三十日内作出核定，并将核定结果通知业主。
对属于保险责任的，保险公司应当自与业主达成赔偿协议之日起七日内履行维修或赔偿义务。对不属于保险责任的，保险公司应当自作出核定之日起三日内向业主发出不予赔偿通知书，并说明不予赔偿的理由。
保险公司应当制定充分保护业主权益的理赔操作规程，并向保险监管部门报告。
第二十一条 保险公司应当建立科学、合理、高效的工程质量潜在缺陷理赔体系，优化理赔制度，制定理赔应急预案，提供专业、快速的理赔服务。保险理赔受理、现场查勘、索赔核定、理赔维修等具体服务标准由建设单位和保险公司在保险合同中约定。
第二十二条 业主和保险公司对保险责任范围和维修结果是否符合要求存在争议的，业主可以与保险公司共同委托具有工程质量检测专业资质和司法鉴定资格的第三方工程质量检测鉴定机构进行检测鉴定。鉴定结果属于保险责任的，检测鉴定费用由保险公司承担；鉴定结果不属于保险责任的，检测鉴定费用由业主承担。
对赔偿金额存在争议的，业主可以与保险公司共同委托具有相应司法鉴定资格的房屋质量缺陷损失评估机构进行评估。
第二十三条 保险公司制定《保险理赔应急预案》，应急预案明确保险理赔应急预案启动的具体情形、应急流程和采取的应急措施等。
对于影响基本生活且属于保险责任范围内的索赔申请，保险公司在收到索赔申请后的合同约定时限内先行组织维修，同时完成现场查勘。
第六章 法律责任
第二十四条 按照法律法规或合同约定应由勘察、设计、施工、监理、预拌混凝土生产和建筑材料、建筑构配件和设备供应等相关责任单位承担的法律责任，并不因建设单位投保缺陷保险而免责。
保险公司对缺陷保险合同约定的质量缺陷损失履行赔偿义务后，有权依法对负有质量缺陷责任的相关单位行使代位请求赔偿权利，建设单位及相关责任单位应予以配合。
第二十五条 从事缺陷保险的有关单位及其人员，违反现行法律法规、标准规范以及本办法相关规定的，由住房城乡建设、规划自然资源、保险、金融等行业主管部门按照法定职责依法予以查处。
第七章 附则
第二十六条 住房城乡建设、规划自然资源、保险、金融等行业主管部门应当加强缺陷保险相关政策的指导和服务。
第二十七条 其他建设工程投保缺陷保险的，可以参照本办法执行。
第二十八条 本办法自发布之日起施行，有效期至2024年4月30日。
Notice of the General Office of the People’s Government of Beijing Municipality on Forwarding the Interim Measures for the Administration of Potential Defects Insurance of Residential Engineering Quality in Beijing Issued by the Four Departments including Beijing Municipal Commission of Housing and Urban-Rural Development
Jing Zheng Ban Fa [2019] No. 11
To the people’s governments of the districts; commissions, offices and bureaus of the People’s Government of Beijing Municipality; and the organs directly under the People’s Government of Beijing Municipality,
The Interim Measures for the Administration of Potential Defects Insurance of Residential Engineering Quality in Beijing developed by the Beijing Municipal Commission of Housing and Urban-Rural Development, the Beijing Municipal Commission of Planning and Natural Resources, the Beijing Local Financial Supervision and Administration, and the Beijing Bureau of China Banking and Insurance Regulatory Commission have been approved by the People’s Government of Beijing Municipality. The Measures are hereby forwarded to you for strictly implementing.
General Office of the People’s Government of Beijing Municipality
April 24, 2019
Interim Measures
for the Administration of Potential Defects Insurance of Residential Engineering Quality in Beijing
Beijing Municipal Commission of Housing and Urban-Rural Development, Beijing Municipal Commission of Planning and Natural Resources
Beijing Local Financial Supervision and Administration, Beijing Bureau of
China Banking and Insurance Regulatory Commission
Chapter I General Provisions
Article I In order to establish and improve the management and control system of project quality risks, comprehensively improve the quality of residential projects, and effectively protect the legitimate rights and interests of the owners of residential project rights, these Measures are formulated in accordance with the Construction Law of the People’s Republic of China, Insurance Law of the People’s Republic of China, Contract Law of the People’s Republic of China, Regulations of Beijing on the Quality of Construction Projects as well as other laws and regulations.
Article II The term “Insurance for the potential defects in residential project quality” as mentioned in the Measures (hereinafter referred to as the “Defects insurance”) refers to the insurance insured by the entity undertaking residential projects requiring performance of the obligation of compensation by the insurance company for damages to the insured buildings due to potential defects in residential project quality within the insurance coverage and the insurance period in accordance with the insurance provisions.
The term “Residential projects” in the preceding paragraph include residential projects and other buildings within the same area of property management.
The term “Potential defects” as mentioned in the Measures refer to the quality defects resulted from the non-compliance of project quality with the project construction standards, the documents of construction drawing design or the contract requirements due to such reasons as survey, design, construction, supervision as well as construction materials, building prefabricated components and equipment, and that are not discovered during completion acceptance of the residential projects and exposed during the use process.
The term “Owners” as mentioned in the Measures refer to the owners of residential buildings or other construction projects and they are the beneficiaries of insurance contracts and claimants.
Article III Beijing implements the insurance system for potential defects in residential project quality. Those who are engaged in defects insurance activities for new construction, reconstruction or expansion of residential projects within the administrative area of Beijing and those who implement supervision and management of the defects insurance activities shall abide by the Measures.
Article IV In the land transfer contract on newly built residential projects of Beijing, the defects insurance shall be listed in the conditions for land transfer, and it is required to select the insurance company with corresponding capabilities.
Chapter II Insurance Coverage and Responsibilities
Article V The basic coverage for defects insurance shall be foundation and main structure of the project, as well as insulation and waterproofing works. The specific coverage shall be implemented in accordance with provisions of the Unified Standard for Constructional Quality Acceptance of Building Engineering (GB50300).
(I) Defects in foundation and main structure of the project include: 1. Overall or partial collapse; 2. Differential settlement not allowed by the design specifications generated by the foundation; 3. Cracks, deformations, breakages, and fractures affecting structural safety in the foundation and main structural parts; 4. Cracks, deformations, breakages, and fractures affecting the safety in use of such suspended components as balcony, canopy, cornice and air conditioning board; 5. Quality defects such as the external wall peeling, collapse and other quality defects affecting the safety in use; 6. Other potential defects in the foundation and main structural parts affecting the project quality and structural safety.
(II) Defects in insulation and waterproof works include: 1. Damage or peeling of insulation layer of the enclosure structure; 2. Waterproof leakage in underground, roof and toilet; 3. Leakage in external wall (including the junction between external window and external wall); 4. Leakage in other parts with waterproof requirements.
As for the defects insurance period for entity undertaking residential projects, it is 10 years for the foundation and main structure of the project, and 5 years for the insulation and waterproofing works. Period of insurance liability shall be two years starting from the date of completion of the construction project.
The entity undertaking residential projects is responsible for organizing the repair of potential defects in the project that occur during the period from the date of completion of the residential projects to the date of insurance liability beginning. If the residential project is delivered after expiration of the insurance period, the entity undertaking residential projects shall notify the insurance company and the owner to make joint acceptance 15 days prior to the delivery of housing. If there is a quality defect, the entity undertaking residential projects shall bear the responsibility for repair or compensation.
Within the insurance coverage and insurance period as agreed in the insurance contract, the insurance company shall perform the responsibility for repair or compensation; in terms of the scope of project warranty beyond the insurance contract agreement or the warranty period after expiration of the insurance period, the relevant provisions in the national and municipal laws and regulations shall prevail; but in the event that the owner finds any quality defects in the building within the insurance coverage within six months after the date of housing delivery which happens after expiration of the insurance period, the insurance company shall be responsible for the repair or compensation.
Article VI The insurance company may provide insurance services for the entity undertaking residential projects in the form of additional insurance for the following items: Building decoration engineering, building water supply and drainage and heating engineering, ventilation and air conditioning engineering, building electrical engineering, intelligent building engineering, building energy conservation engineering, elevator engineering, etc.
The specific insurance coverage, insurance period and starting time of insurance liability of the additional insurance shall be agreed by the entity undertaking residential projects and insurance company in the insurance contract.
Article VII The project quality liability insurance is encouraged to be insured for the entities relevant to survey, design, construction, supervision, ready-mixed concrete production, construction and supply of precast components as well as their personnel. If the project quality liability insurance has been insured by the entity undertaking residential projects, the entity in charge of construction shall not reserve the project quality guarantee.
Encourage the comprehensive implementation of such types of project insurance as defects insurance, erection all risks insurance and liability insurance for main participation subjects, so as to reduce the project quality risks in an all-round manner.
Article VIII Any one of the following circumstances is not within the coverage of insurance liability:
(I) The quality defects caused by non-compliance with the relevant requirements of Operating Instructions for Housing Construction and design purposes for normal usage such as the housing owner or user increasing the load above design standard, arbitrarily demolishing and renovating the load-bearing structure of housing; (II) In the process of using the housing, the quality defects caused by the third party other than the housing owner or user; (III) The quality defects caused by force majeure as stipulated in the contract.
Article IX The entity undertaking residential projects shall inform the relevant entities participating in the construction in writing of the information relevant to defects insurance, and clarify the relevant obligations of the entities participating in the construction to cooperate with the insurance company in carrying out project quality risk assessment.
Chapter III Insurance and Underwriting
Article X The entities in charge of construction that insure the defects insurance shall sign a written insurance contract with the insurance company before going through the construction permit procedures, and pay the lump-sum insurance premium agreed in the contract (including the risk management fees not higher than 30% of the insurance premium).
An insurance policy is issued for each engineering project as a subject of insurance. Coverage of the insurance contract includes the insured residential projects and other buildings within the same area of property management. The maximum limit of compensation borne by the insurance company under this policy is the amount of insurance recorded in the policy.
The insurance company shall formulate the implementation plan for project quality risk assessment, insurance notification, emergency plan for insurance claims and others, and shall attach them to the insurance contract after confirmation by the entity in charge of construction.
In the event that the insurance company points out that there are serious quality defects in the construction project in the final evaluation report, and that the defects have not been substantially rectified at the time of completion, the construction project shall not pass the completion acceptance.
Article XI In accordance with the laws, regulations and relevant regulations, the insurance company shall formulate the insurance clauses and premium rates in a fair and reasonable manner based on the degree of construction engineering risks, the complexity of engineering technology, the qualification and integrity of entities and enterprises participating in the construction, risk management requirements, historical data of claims, and reinsurance market conditions. The insurance company shall also be legally liable for the insurance clauses and premium rates.
The insurance company calculates the insurance premium based on budget price of the total cost of construction and installation works, and entity in charge of construction shall pay the insurance expenses stipulated in the contract in a timely manner.
Deductible expenses are not included in the defects insurance for foundations and main structure of the project, as well as insulation and waterproofing works. Other deductible expenses in additional insurance are stipulated by the entity in charge of construction and the insurance company in the insurance contract.
Article XII In the event that it is necessary to amend the insurance clauses or insurance premium rates after the insurance company submits the insurance clauses and insurance premium rates of defect insurance to the insurance supervision and management department for approval in accordance with the regulations, it is necessary to make re-submission for approval in accordance with relevant regulations. The insurance company strictly enforces the approved insurance clauses and premium rates.
Article XIII The insurance company shall formulate the Notification of Potential Defects Insurance for Project Quality, which includes the insurance coverage, insurance period, starting time of insurance liability, process of insurance claims, department responsible for insurance claims and its contact information as well as the obligation of notification about the change of owners. When the owner goes through housing delivery procedures, the entity in charge of construction shall deliver the Notification of Potential Defects Insurance for Project Quality to the owner along with the Quality Guarantee of Housing Construction and Operating Instructions for Housing Construction.
Article XIV After an insurance contract is concluded in accordance with law, in the event that the entity in charge of construction wants to terminate the contract, change the insurance company or contents of the insurance contract, a written consent of all buyers shall be obtained for the residential projects that have been sold.
After the insurance contract comes into effect, if the entity in charge of construction is dissolved or bankrupt in accordance with law, the insurance company shall bear the insurance liability as stipulated in the insurance contract.
If the ownership of residence or other buildings is transferred during the insurance period, assignee of the subject of insurance shall inherit the rights and interests of the entity in charge of construction under this policy.
Article XV The co-insurance model is adopted for the underwriting of defects insurance.
The co-insurance body is comprised of leading insurance companies and at least two member insurance companies, and implements the unified insurance clauses, unified premium rate, unified claims services, unified distribution shares, and unified information platform.
With a competitive bidding model, the Beijing Municipal Commission of Housing and Urban-Rural Development and municipal financial regulatory body select the insurance companies with sufficient registered capital, adequate comprehensive solvency, strong ability of risk management ability, high-quality services of underwriting claims, a certain experience in defects insurance underwriting and good credit, for entity in charge of construction to select.
Article XVI The insurance company shall establish a defects insurance information platform. All insurance companies that cover defects insurance and liability insurance shall enter the information about underwriting, project quality risk assessment and claims into the information platform.
Chapter IV Project Quality Risk Management
Article XVII The implementation plan of project quality risk assessment formulated by the insurance company shall include the agency and personnel responsible for implementation of the project quality risk assessment, the specific implementation scope, implementation plan, key nodes and key processes of the project quality risk assessment, as well as specific matters and notification obligations that require the collaboration of entity in charge of construction.
Article XVIII After the defects insurance contract is signed, the insurance company shall entrust the agency for management of construction project quality risks (hereinafter referred to as the risk management agency) to implement risk management. The insurance company shall sign a written entrustment contract with the risk management agency to stipulate the rights and obligations of both parties in accordance with the law.
The risk management agency shall not have any correlation with entities participating in the construction, or directly or indirectly participate in the survey, design, construction, supervision, material supply and other works of the project.
The risk management agency shall make the project quality risk assessment for the construction project in accordance with the requirements of laws and regulations, project construction standards, documents of construction drawing design and insurance contracts, and issue the process assessment report and final assessment report on project quality risks to the insurance company and entity in charge of construction. The assessment report shall clarify the quality defects found during inspection and the rectification.
After receiving the assessment report, the entity in charge of construction shall instruct the entity undertaking residential projects to rectify the quality defects in time. Where the insurance company and the entity in charge of construction have disputes over determination of project quality defects in the report, they shall resolve the disputes in accordance with the methods agreed by both parties in the insurance contract.
Article XIX The social intermediary agencies such as construction project-related industry associations and whole-process project consulting agencies are encouraged to actively participate in implementation of the defects insurance system to give full play to their professional roles.
Chapter V Insurance Claims
Article XX In the event that the owner finds any quality defects in the project within the insurance coverage or within six months after the date of housing delivery which happens during the defects insurance period or after expiration of the insurance period, the owner can file a claim with the insurance company.
After receiving the claim, the insurance company shall send specific persons for on-site survey within two days. The insurance company shall make the verification within seven days after receiving the claims application of the owner; in the case of complicated circumstances, it shall make the verification within thirty days and notify the owner of result of the verification.
For claims within insurance liabilities, the insurance company shall perform maintenance or compensation obligations within seven days from the date of reaching the compensation agreement with the owner. For claims not covered by insurance liabilities, the insurance company shall, within three days from the date of approval, issue a notice of non-compensation to the owner and explain the reasons for non-compensation.
The insurance company shall formulate the claims operating procedures that fully protect the rights and interests of owners, and report to the insurance regulatory department.
Article XXI The insurance company shall establish a scientific, reasonable and efficient system for project quality defects claims, optimize the claims system, formulate the emergency plan for claims and provide professional and rapid claims services. The specific service standards such as insurance claims acceptance, on-site survey, verification of claims for compensation, and maintenance under claims are stipulated by the entity in charge of construction and the insurance company in the insurance contract.
Article XXII If the owner and the insurance company have disputes over the coverage of insurance liability and whether the maintenance result meets the requirements, the two parties may jointly entrust the third-party project quality test and identification agency with the project quality test and judicial qualifications to conduct test and identification. If result of the identification is within insurance liabilities, the cost of test and identification shall be borne by the insurance company; if result of the identification is not covered by insurance liabilities, the cost of test and identification shall be borne by the owner.
If there are any disputes over the amount of compensation, the owner and the insurance company may jointly entrust the agency for housing quality defects loss assessment with the corresponding judicial qualifications to conduct an assessment.
Article XXIII The insurance company shall formulate the Emergency Plan for Insurance Claims that shall clarify the specific circumstances, emergency procedures and emergency measures for the initiation of emergency plan for insurance claims.
For claims that affect basic life and are within the coverage of insurance liabilities, the insurance company shall organize the maintenance within the time limit agreed in the contract after receiving the claim, and complete the on-site inspection at the same time.
Chapter VI Legal Liability
Article XXIV The relevant entities responsible for survey, design, construction, supervision, ready-mixed concrete production and construction materials, building prefabricated components and equipment supply in accordance with the laws, regulations or contract agreement for defects insurance shall not be exempted from their due legal liabilities because they are insured by the entity in charge of construction.
After the insurance company fulfills its compensation obligations for losses arising out of the quality defects as stipulated in the defects insurance contract, it has the right to exercise the right of subrogation to indemnity claims for the relevant entities responsible for quality defects according to the law, and the entity in charge of construction and related responsible entities shall cooperate with it.
Article XXV If the relevant entities and their personnel engaged in defects insurance violate the current laws, regulations, standards and regulations as well as the relevant provisions of the Measures, they shall be investigated and punished in accordance with their statutory duties by such industry competent departments as the housing and urban-rural development administration, planning and natural resources, insurance and finance.
Chapter VII Supplementary Provisions
Article XXVI The industry competent departments such as the housing and urban-rural development administration, planning and natural resources, insurance and finance shall strengthen the guidance and services for policies related to defects insurance.
Article XXVII Other construction projects insured with defects insurance may be subject to these Measures.
Article XXVIII These Measures shall come into force as of the date of promulgation and shall be valid until April 30, 2024.
