The owners square meters in an apartment house shall be responsible for the overall property, and, of course, can not help but think of "surprises" in the form of his accidental injury or death. The burden of that and say, palpable. But it can be alleviated by dividing the insurance company and the Government of Moscow. From the kitchen to the attic More than half the apartments in the First Throne now insured under the city program - that is available and reliable. However, fire and water are also not spared roofs, basements, attics, elevators, stairwells, communication vnekvartirnye residential buildings ... In short, everything that experts call the objects of common property in apartment buildings. We recall that in accordance with applicable law, except insurance of premises, which has become customary for the majority of Moscow households in the capital for several years a program of insurance of common property in apartment buildings. Its purpose - to provide comprehensive insurance protection for all residential buildings. Budget support will happen if the local state of emergency events (for example, burst water pipe, lit loft), indemnify the flood or fire have out of pocket. Unless, of course, have not been established culprits of accidents. Metropolitan government gives owners an opportunity to take advantage of Insurance with the financial backing of the city budget to compensate for losses in the event of destruction or damage to common areas in apartment buildings. The situation of this kind of insurance approved by Resolution of the city government from 13.06.2006, № 391-PP "On measures to promote the general insurance property owners of the premises of apartment buildings." To help city insurance services in question, can benefit the owners of premises in apartment buildings, have chosen to control the house. Another condition - at the cost of operating subsidies provided for the house in the city budget. Thus, insurers may be: 1. The owners of the premises. 2. Housing, building society or other specialized consumer co-operative, created to manage the common property. 3. Homeowners. 4. Management company chosen by owners of the premises. Not from fear but from conscience, insurers act insurance companies, selected through an open competition for the right to participate in insurance and residential housing facilities. The main selection criteria: financial stability, insurance real estate experience, the quality of insurance services offered. The last time the winners of "competition" began: "Moscow Joint-Stock Insurance Company" (MAX), "Moscow Insurance Company» (Moscow), "Insurance Group" Spassky Gate, "" Insurance group "UralSib", "Military-insurance company" (" FAC ")," ROSNO "," MESC ". Insurers operate under uniform rules, rates, methods of damage calculation used in the investigation of insurance claims. Organization authorized by the city government to ensure implementation of the program is a government agency in Moscow, "Town Center Housing Insurance" (GTSZHS). This center coordinates and supervises the activities of insurers, pay budgets, in addition to reimbursement of insurance companies. Help Voluntary insurance of common property began with the residential houses in the management of homeowners associations, are entitled to subsidies from the municipal budget. Then the type of insurance in question was distributed on the LCD and HBC. Practice has shown: it is profitable and is available to most families in Moscow. With a monthly premium of 15-25 rubles payments on insurance claims reached 500 thousand rubles. Since 2007, the insurance service has the right to use the owners of premises in apartment buildings, have chosen to control the house. First - the general meeting to insure the common property of the house is taken at a general meeting of owners. The same solution is determined by a representative who will act on behalf of the insured property owners - it may be a HOA, LCD or management company. If the owners have chosen a managing organization, concluded in her home management contract should include clauses on insurance of common property. Text of the agreement as approved at the general meeting. To help the owners of the Department of Housing and Public Works in Moscow from 15.08.2006 years № 05-14-243/6-1 approves the form of a model contract management of an apartment house. (The text can be found on the department's website or on the Internet in the database "Consultant Plus".) The model contract is, in particular, those items which relate to responsibilities of the managing organization of insurance-related assets. The management organization shall: a) act by the insured under a contract of insurance of common property, if the owners so decide at a general meeting, and b) to allocate funds to restore the insurance money corrupted the common property. Tip: signing a contract with the management company, be sure to see if it includes these items. With 00 hours 00 minutes to sign the contract should contact the firm selected by the contest for the insurance of residential facilities and common property in your county. Must submit: an application; product data on the structure, a description of the common property in the house (if available) a floor plan and explication, an extract from the decision of general meeting of owners of premises or the results of their absentee ballots. The statement indicates which category of common property insured, as will be paid fees - all at once or in installments. And also - is there an apartment in a house owned by the city, and their number. Before entering into a contract with the organization of City Centre housing insurance and the insured is conducting a survey of common property and facilities up act. Policyholder issued a policy stating that the contract is concluded. Attached is the calculation of the cost of insurance and insurance regulations. The contract is for one year and takes effect 00 hours. 00 min. days following the date of payment of insurance premium (first installment). The insurance value of public facilities shall be determined at the time of the contract in accordance with methods approved by the Department of Housing and Housing Policy in Moscow. It is important to know For insurance purposes, all community property is divided into three categories: structural elements, common areas of their home and finish; vnekvartirnye engineering services and equipment, elevators and elevator shafts structural elements. At the request of owners of premises insure all in one package or in separate categories. It can not be subject to general property insurance in apartment buildings, if they: found in an emergency, to be released in connection with the demolition, reconstruction, alteration in non-residential, with the withdrawal of the land, etc. are located in an area which is threatened by natural disasters. Insurance rates for different groups of common property are as follows: 0.1 percent for design elements, etc., 0.2 per cent for vnekvartirnogo engineering equipment, 0.3 percent for the elevator equipment. In other words, 10, 20 and 30 cents from the $ 100 sum insured. Insurance elevator understandably more expensive than insurance blanched ceiling in the entryway. But the amount of damages and in the first case will be more. For example, a burned-out lift the insurance company "MESC" and the Town Center Housing Insurance paid HOA "Source" 470 thousand rubles. But on the porch repair, flooded due to thwarted to a fire hydrant valve, HOAs' Nord-Ost-02 "took less than the sum of - 148 thousand rubles. Working in the North East Insurance Company "UralSib" Town Center and residential insurance obligations fulfilled. All of us lurks a case ... The list of risks includes the most common cases of damage or destruction of common property. They can occur as a result of the following events: fire (effects of flame, smoke, high temperatures in a fire), including arising out of residential and / or non-residential premises of apartment buildings, as well as of legitimate action to eliminate the fire, explosion of gas used in the system supply of apartment buildings for domestic needs, including what happened in residential and / or non-residential premises; accidents heating systems, water supply, sewerage, drainage and internal (including those of the conjugation of rainwater heads with roof), including developments in the residential and / or non-residential premises. Damage (destruction) of the insured property as a result of the overall legal actions on emergency response systems, heating, water, sewer, domestic sewer equates to damage (destruction) of the common property as a result of accidents themselves of these systems, strong winds (above 20 m / sec. ), tornadoes, squall, and their accompanying precipitation; illegal actions of third parties. How would you understand? By accident or injury should be understood as the failure of the system as a whole and its individual parts (components) which caused damage to common property. At the same time do not apply to accidents caused damage to property changes in the parameters of the heating system is not connected with the destruction of (damage) of the elements of this system and led to the exit of water, other liquids or steam. Go to the wrongful acts include intentional damage (destruction) of the insured property (except for a terrorist act), damage (destruction) of the property due to negligence, vandalism, vandalism, theft of individual structural elements of the property and / or equipment. About strikes and open windows to the insurance claims do not include damage or destruction of common property, if they occurred as a result of: intentional acts of the insured, non insured fire safety rules, regulations and standards of maintenance and repair of dwelling houses; non-insured by the due date requirements (regulations ) regarding the status of the common property of the insured, issued by the relevant supervisory authority; penetration into the premises and other objects of common ownership of precipitation through unsecured windows, doorways or other openings when such openings are not arisen as a result of strong winds (above 20 m / sec.) tornadoes, squall, rotting, aging, and natural variation of material properties of individual elements of the common property, wear equipment of a terrorist act, war and other military activities, civil war, civil unrest or strikes. Prize for peace insurance premium is made up of contributions. This is the money that the owners pay for insurance. Exactly how much? Since the house is different, have their own characteristics, therefore, the cost of insurance is different. Based on experience, the contribution from one apartment to an average of 13 to 33 rubles - depending on the composition and complexity of the common property. It is clear that the owner of "odnushki" pays less than the owner of four-chorus. If there is a housing that is in city property, the city pays for it through insurance premiums in proportion to their share GTSZHS the right to common property. In other words, for tenants of apartments paid from the budget. How many will? The amount of payment depends on the degree of damage. It could be hundreds of thousands of rubles, for example, burned the cabin lift. The size of damages is determined based on the estimated cost of the refurbishment costs. But in any case shall not exceed the insured value of the property. The amount of monetary compensation when the insured event consists of two parts: the insurance companies and the city budget. Compensation for damage caused to the common property, by the principle of shared responsibility of the Government of Moscow and insurance companies. 40 percent of the cost of damage shall be paid from the budget of the city and 60 - from the insurance companies. In the city budget to meet the obligations of the Government of Moscow on insurance contracts provided for the corresponding item of expenditure. It does not take into account: changes in percentage of wear of structural elements and finishing elements for the duration of the contract; damage caused by events that occurred before or after the expiration of the contract (as well as with the previous insurance cases), and not eliminated by the insured before the insured event last . Additional expenses (costs) due to the urgency of the work of reconstruction, improvement in the insured property, the production of a temporary or preventive maintenance shall not be refunded. Budget money intended to compensate for the damages paid by the public institution "City Centre housing insurance" in addition to compensation insurer. Insurance compensation and budgetary funds are transferred to non-cash payment by the insured or on his behalf - at the expense of specialized contractor, engaged in the refurbishment of the contract with the insurer. If there was PE In the insurance case the policyholder must: immediately report it to the fire service, emergency services and other competent bodies, such as the police, if the damage - the result of unlawful actions, within three working days of ascertaining damage or destruction the insured property to report the incident to the insurance company. To obtain damages must submit the following documents: a statement indicating the insured event, the act of damage to common areas of the property indicating the reason, the document certifying the payment of insurance premiums (if paid in installments of insurance premiums) insurance policy. If necessary, the policyholder is other documents about the event, which caused the damage occurred, including - from the competent authorities. Further, the insurer is established fact insured and assessed the damage. Insured may itself refer to specialists, which will restore the damaged property, and provide cost estimates for works and materials to the insurance company. By the way, the insurers in this case, recheck the estimate, are the sort of guarantor of the validity of the calculations contractors. Two options are two options to seek redress: an insurance company transfers part of its compensation insurer and submit the materials in the investigation GTSZHS. Materials are checked and, if all goes well, the decision on compensation from the budget. And the "urban" money also transferred to the account of the insured. insurer enters into a contract with the contracting organization, which will be put in order the damaged property, and writes a statement to the insurance organization to list the refund directly to the contractor. He also will be directed and budgetary subsidy.
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