Feasibility and Program Design of Maintenance Insurance for Common Parts in Residential Communities

Sijia Tian; Shurui Ding; Taotao Jin

doi:10.54097/fgks8085

Authors

Sijia Tian
Shurui Ding
Taotao Jin

DOI:

https://doi.org/10.54097/fgks8085

Keywords:

Residential special maintenance funds; common parts maintenance insurance; insurance design.

Abstract

Residential special maintenance funds for residential common parts, common facilities and equipment warranty expires after the maintenance and renewal, transformation. However, in the process of repairing the common parts of the district, the problems of misrepresentation, fraudulent claim and excessive repair of maintenance funds are prominent. In this paper, based on the maintenance data of Xuanwu District and Gulou District in Nanjing City from 2020 to 2022, we carry out the feasibility and program design of maintenance insurance for the common parts of residential neighborhoods. The results show that the existing maintenance funds can cover the expected premiums, verifying the feasibility of common parts maintenance insurance and designing an insurance program to help solve many problems in the process of community common parts maintenance.

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