7月25日，北京市住房城鄉建設委、市規劃自然資源委、市金融監管局、北京銀保監局聯合召開住宅工程潛在缺陷保險制度實施動員部署會，對《北京市住宅工程質量潛在缺陷保險暫行管理辦法》進行宣貫動員部署，標志著北京市住宅工程質量潛在缺陷保險（以下簡稱缺陷保險）制度正式落地實施。

會上要求，北京市新建、改建、擴建的商品住房、政策性住房項目建設單位在辦理施工許可手續前要投保缺陷保險。保險范圍基本涵蓋了地基基礎、主體結構、防水、保溫工程等影響主體結構安全和主要使用功能的質量缺陷，特別是將北京市易發、多發且投訴較多的保溫層破損、脫落，屋面、外墻、地下、廁浴間滲漏等質量通病問題納入投保范圍，基本全面覆蓋住宅工程主要質量缺陷。

據相關負(fu)責人(ren)介紹，缺陷(xian)保(bao)險(xian)(xian)(xian)制(zhi)度(du)是一種將事前風(feng)險(xian)(xian)(xian)防(fang)范、事中風(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)和事后風(feng)險(xian)(xian)(xian)補償相結(jie)合的(de)市場(chang)機制(zhi)。一方面(mian)(mian)，發(fa)揮市場(chang)機制(zhi)的(de)資源(yuan)配(pei)置作用(yong)，保(bao)險(xian)(xian)(xian)公(gong)司通過委托第三方風(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)機構(gou)(gou)，對工(gong)程(cheng)勘察、設計、施工(gong)、維護等(deng)全過程(cheng)實施風(feng)險(xian)(xian)(xian)管(guan)(guan)理(li)，程(cheng)度(du)降低質(zhi)量風(feng)險(xian)(xian)(xian)。另一方面(mian)(mian)，發(fa)揮市場(chang)機制(zhi)的(de)經(jing)濟制(zhi)衡作用(yong)，保(bao)險(xian)(xian)(xian)公(gong)司從減(jian)少理(li)賠(pei)(pei)損失的(de)角度(du)，與建(jian)設單(dan)位等(deng)形成(cheng)經(jing)濟制(zhi)衡，促(cu)進建(jian)設單(dan)位落實質(zhi)量主體(ti)責任，提高住(zhu)宅工(gong)程(cheng)建(jian)設品質(zhi)。缺陷(xian)保(bao)險(xian)(xian)(xian)制(zhi)度(du)將充(chong)分發(fa)揮保(bao)險(xian)(xian)(xian)機構(gou)(gou)社會服(fu)務的(de)專(zhuan)業化優勢，建(jian)立科(ke)學、合理(li)、高效的(de)理(li)賠(pei)(pei)體(ti)系和操作規程(cheng)，組建(jian)專(zhuan)業化理(li)賠(pei)(pei)維修隊伍，為(wei)業主提供快(kuai)捷、優質(zhi)的(de)理(li)賠(pei)(pei)和維修服(fu)務。

北京市(shi)(shi)住房城鄉建設委、市(shi)(shi)規劃自然(ran)資(zi)源委、市(shi)(shi)金(jin)融(rong)監管局和北京銀保(bao)(bao)(bao)(bao)監局等(deng)四(si)部(bu)門(men)，通過公(gong)開(kai)招標方式(shi)確(que)定了人保(bao)(bao)(bao)(bao)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、平安(an)(an)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、太平洋財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、大地(di)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、中(zhong)華聯(lian)合財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、國壽財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、陽光(guang)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、中(zhong)銀保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、永(yong)安(an)(an)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、太平財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)等(deng)10家(jia)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司為我市(shi)(shi)缺陷(xian)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)項目(mu)的承保(bao)(bao)(bao)(bao)機構(gou)；人保(bao)(bao)(bao)(bao)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、平安(an)(an)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、太保(bao)(bao)(bao)(bao)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、大地(di)財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)、中(zhong)華聯(lian)合財(cai)(cai)(cai)(cai)(cai)險(xian)(xian)(xian)等(deng)5家(jia)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機構(gou)為牽頭保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機構(gou)。建設單位(wei)可以從5家(jia)牽頭保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機構(gou)自愿選擇投保(bao)(bao)(bao)(bao)。

保(bao)(bao)(bao)險(xian)(xian)公司(si)應編(bian)制(zhi)《工(gong)程質(zhi)(zhi)量潛(qian)在缺陷(xian)保(bao)(bao)(bao)險(xian)(xian)告(gao)知(zhi)(zhi)書(shu)(shu)》，內(nei)容包括保(bao)(bao)(bao)險(xian)(xian)范圍(wei)、保(bao)(bao)(bao)險(xian)(xian)期間(jian)、保(bao)(bao)(bao)險(xian)(xian)責(ze)任開始時間(jian)、保(bao)(bao)(bao)險(xian)(xian)理(li)賠流程、負責(ze)保(bao)(bao)(bao)險(xian)(xian)理(li)賠工(gong)作的(de)部門及其(qi)聯(lian)系(xi)方式、業(ye)主(zhu)變更通知(zhi)(zhi)義務等，并納入房屋(wu)銷售合同內(nei)容。在業(ye)主(zhu)辦理(li)房屋(wu)交付手續時，建設單位將《工(gong)程質(zhi)(zhi)量潛(qian)在缺陷(xian)保(bao)(bao)(bao)險(xian)(xian)告(gao)知(zhi)(zhi)書(shu)(shu)》隨《房屋(wu)建筑(zhu)質(zhi)(zhi)量保(bao)(bao)(bao)證(zheng)書(shu)(shu)》《房屋(wu)建筑(zhu)使用(yong)說明書(shu)(shu)》一并交付業(ye)主(zhu)。