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Disciplined monthly tenants pay for utility services. Such still the majority, despite the presence of regularly discussing debts of the population before the utilities. Among other things, we pay for the overhaul, but so few can brag that they survived this event. Alas, all repairs and improvements to our homes happen in an emergency procedure accomplished as a result of the accident, and often need to remind very strongly about the problem that it was solved.
The alternative insurance of the apartment against fire, bays and other unforeseen situations, but not all resort to this measure. What is the reaction of ordinary homeowners, if one day in receipts for utilities, he finds the term “insurance”. In his head at once sweeps a whirlwind of thoughts.
What is it? Fraud? Possible. Today who has not tried to put in the mailboxes of fake receipts to pay anything. The expectation that people, without going into details, I will go and pay all the bills, and lime. Alas, our carelessness often into the hands of crooks.
Or the compulsory insurance of the apartments, which once heard, still dragged through the Duma and here it is already hit on the wallet? Or the utility is trying to improve their business by selling us some useless additional services? As a result, the landlord is outraged to the limit and determined to abandon the imposed services.
What actually means this line in Your receipts? Immediately I hasten to reassure all about the obligatory character of these payments: the Bill on mandatory insurance of the apartments, several times offered by different deputies, as many times were refused consideration. The legislator sees a conflict of this project with the provisions of the civil code and the Constitution that the owner is solely responsible for their property and force it to the insurance no one has the right, it would be a direct violation of his rights.
Therefore, all initiatives of insurers to offer mass insurance of housing is a program of voluntary participation, no one has the right to compel the payment of such proposal. The creation of insurance funds can be used to solve many problems in the financing of repair works in apartment buildings. Most apartments have been privatized, and the owners shall also undertake joint management of common spaces, and they were all interested in the preservation and proper maintenance of these places.
Depending on the form of administration of the common property to the homeowners ‘ Association (HOA) or Management Company (MC) can involve the insurance company for procuring insurance under certain conditions. Where cooperation is limited to the insurance of individual structures: elevators, boilers, somewhere it comes to General door-to-door insurance. The first option is performed on the basis of the insurance contract between the HOA / CC and the insurance company and the premium is paid from the accounts of the HOA /CC. Individual insurance cannot be conducted without the knowledge of the residents and without their consent.
The implementation of this insurance program includes the following required items:
1. The insurance company proposes a project of HOA / MC with the calculations and specify what percentage of funds it is willing to commit to preventive measures (maintenance).
2. The project receives the approval of the representatives of the HOA / CC and submitted for presentation to the residents. Conducted fact-finding meeting, explains the conditions and tariffs, it appears the willingness of apartment owners to participate in the project.
3. With the approval of the majority of owners of the program comes into action and in the receipts appears the string “insurance”, but as an addition to the receipts be booklets and leaflets with a detailed description of insurance options included in the coverage of risks, cost, procedure of calculation.
4. Paying monthly insurance premiums, You provide yourself with insurance coverage which is confirmed sent by mail insurance policy after payment of the first installment.
5. In the insurance case, You receive monetary compensation based on the conditions.
Therefore, a new line in the bill should not come as a surprise, if You even slightly follow the information in the house: leaflets about the meetings, the conversations of neighbors, etc., In any case such a proposal constitutes an offer and Your right to decide whether it is worthy of acceptance.
The advantage of mass insurance for consumers is its low cost and ease of design. No need to go anywhere, pay with the monthly payments, the policy will come in the mail, and in which case, you can get money from the insurance company. Insurer expands insurance portfolio, increases revenue while reducing cost of sales. The HOA and management company receives additional funds for current needs, and gets rid of the problem of finding funds for emergency repairs.
However, with an abundance of benefits for all participants in such schemes, not just offered in different regions of our country and even took place to be within a few years, they could not overcome barriers to mass distribution. All because of significant shortcomings that have not yet been overcome by any program.
First, the cheapness of the product imposes significant restrictions on the sum insured, and hence on the amount of compensation. Secondly, mainly insurance protecting only the finishing of the apartments and constructive elements in the coating are, therefore, partial losses from bays and fires, but total loss in the explosion is not considered an insured event. Thirdly, standardization of insurance amounts does not take account of the difference between the cost of repairs in different apartments, which again leads to the mismatch loss and received compensation.
For insurers and HOA/MC is the problem of calculating the cost of common areas and dividing the stream of contributions the amounts on the insurance of these places. In General, the programme becomes cost-effective if more than 80% of apartment owners took part in it. Attempts to expand coverage, increase insurance amounts and diversify insurance options to accommodate the needs of different categories of owners, complicate the procedure of selection and calculation options for the end user and for the accounting system of the criminal code. And the complexity in the calculations stops many consumers from the acceptance of the proposed offer – people are just too lazy to understand the calculations.
For those owners who take advantage of voluntary insurance of apartments, such program only complicates the interaction with their insurer. Because double insurance of property is not possible, then the insurer must either notify its insurer participation in the insurance program and to reflect this in the policy, or to abandon one of insurance. Here the choice is obvious – traditionally designed policy offers protection and finish and construction with an adequate sum insured.
All these difficulties lead to the fact that even the beginning of the insurance program housing stock met the dissatisfaction of the residents received compensation. People stop paying and the programs cease to exist.
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