Inherent defect insurance (IDI) refers to the insurance that is insured by the residential construction unit, and the insurance company performs the compensation obligation for the damage of the insured building caused by the potential defects of the project quality within the insurance scope and insurance period according to the insurance clauses.
The requirements of IDI vary from place to place, and the coverage and insurance period are also different. The following four typical examples are introduced.
1. Total or partial collapse;
2. The uneven settlement of foundation exceeds the design specification;
3. Cantilever components such as balconies, awnings, overhangs, and external walls collapse (including falling off) or appear cracks, damages, or fractures that affect the safety of use;
4. Cracks, deformation, breakage and fracture that affect the safety of the main load-bearing structure;
5. Other circumstances stipulated by laws, regulations, rules and mandatory standards of national and municipal engineering construction.
/kloc-0 0 year
1. heat preservation project of enclosure structure;
2. Roofing waterproof project;
3. Anti-leakage treatment works for bathrooms, rooms, doors and windows, and external walls with waterproof requirements.
5 years
1. Total or partial collapse;
2. The uneven settlement of foundation exceeds the design specification;
3. Cracks, deformation, breakage and fracture in the main body and load-bearing structure that affect the safety of the structure;
4. Cantilever components such as balconies, awnings and overhangs collapse or cracks, damages and fractures affect the use safety.
/kloc-0 0 year
1. Damage to heat preservation works of envelope, roofing and underground waterproofing works, and anti-leakage treatment works of bathrooms, rooms, doors and windows and external walls with waterproof requirements;
2. Quality defects of electrical pipelines, water supply and drainage pipelines, equipment and installation works;
3. Quality defects of decoration engineering;
4. Quality defects of heating and cooling system engineering.
3 years
Infrastructure engineering, building foundation engineering and main structure engineering.
Reasonable service life of the project specified in the design documents.
Roofing waterproof engineering, leakage prevention of toilets, rooms and external walls with waterproof requirements, and insulation engineering of enclosure structure.
5 years
There are two heating periods and cooling periods.
2 years
1. Total or partial collapse;
2. The uneven settlement of foundation exceeds the design specification;
3. Cracks, deformation, breakage and fracture that affect the safety of the main load-bearing structure;
4. Cantilever components such as balconies, awnings, overhangs, bay windows and external walls collapse or crack, damage or fracture, which affects the safety of use.
Not less than 15 years
1. Underground waterproofing and leakage prevention;
2. The roof is waterproof and leakproof;
3. Leakage of external walls (including external windows);
4. Waterproof and leakproof between bathroom and bathroom.
Not less than 10 years
Project quality risk management organization (TIS organization) refers to the engineering insurance technical organization entrusted by the insurance company to identify, evaluate, report and put forward treatment suggestions on the potential quality risk factors of insured construction projects by using the engineering quality insurance technology, so as to promote the improvement of engineering quality, reduce and avoid the occurrence of quality accidents, and finally assume the contractual responsibility for the insurance company.
TIS: Technical inspection service.
Usually, insurance companies lack background knowledge and professional skills in the field of construction engineering, and cannot understand the behaviors and objective risks of all parties in the process of project construction. Therefore, a professional TIS organization must be entrusted to be responsible for the specific risk management of IDI.
An insurance company shall, in accordance with the requirements of laws and regulations, engineering construction standards and construction drawing design documents, control the risks during the implementation of insurance construction projects, and the TIS organization entrusted by the insurance company in writing shall be responsible for the specific implementation.
In recent years, the number of group petitions and petitions caused by various housing quality problems is increasing day by day, but the huge maintenance funds make the government departments have no spare capacity. The landing of the insurance policy for potential defects in housing project quality is not only the embodiment of transforming government functions, but also another measure to improve the business environment, and it is also an effective way to govern society, which has great practical significance. This policy is conducive to preventing and resolving the quality risk of the construction unit, providing double insurance with the supervisor, reducing the quality risk, safeguarding the interests of small owners to the maximum extent, providing effective insurance channels for small owners, and also alleviating the liquidity pressure of all parties concerned to some extent and solving the liquidity.
—— Liang Feng, Deputy Director of Quality and Safety Supervision and Management Department of Shanghai Housing Construction Committee
Through the insurance of potential defects in engineering quality, we should do well in prevention in advance, control in the process and compensation afterwards, so that the market competition law of survival of the fittest can fully play its role in the management of construction industry, which not only protects the vital rights and interests of ordinary people, but also helps to maintain social harmony and stability; It has also improved the project management system, combining administrative means with market means, which is conducive to the transformation of government functions. It is a powerful measure to promote the sustained and healthy development of the industry.
—— Ma Haijun, CEO of Shengan Insurance Technology Co., Ltd.
With the implementation of the insurance system for potential defects in engineering quality, the risks arising from potential defects in engineering quality will be transferred from the end users to the insurance companies, and the engineering quality risk management institutions will intervene in advance, which will make the end users unable to be present under the current system, change the state of lack of supervision and right to speak in the process of project bidding, enter the market for engineering construction and completion acceptance, and truly introduce subjects representing the rights and interests of end users to participate in the engineering quality control in engineering construction, thus standardizing the quality behavior of construction units from the source.
—— Lawyer Zhao Mingmin of Hainan Fiona Fang Law Firm