| Summary: | 碩士 === 國立臺灣海洋大學 === 河海工程學系 === 105 === There was one big earthquake which destroyed the Wei Guan Building in Tainan and took many people’s lives and families in the morning on February 6, 2016. However, government found out that the main reason of its collapse was not only because of the earthquake. After the certification, the main reason was the serious defect of the inner of the building. It was the same issue of the Dong Xing Building in Taipei on September 21, 1999. Therefore, many experts believe that people should take more attention on the quality of construction maintenance.
In 1978, there was Inherent Defect Insurance in France and many countries. They also build up some related rules. The Inherent Defect Insurance focus on the supervisor of third party, consumers’ guarantee and the right of owner. This work can indirectly enhance the quality of contractor and the confidence of consumers. However, the period of this insurance is one decade, long term insurance. As a result, compared to other insurance data, there were less data of Inherent Defect Insurance were reported to IMIA (The International Association of Engineering Insurance) by these countries.
Inherent Defect Insurance can be divided to three types:
1. Countries with legal builder’s liability and with compulsory decennial insurance.
2. Countries with legal builder’s liability, without compulsory decennial insurance but with inherent defect insurance market.
3. Countries with legal builder’s liability, without compulsory decennial insurance and without inherent defect insurance market.
However, after long time for pilot local service trials in Shanghai China since 2016, Inherent Defect Insurance officially enabled in Shanghai. It is one of the emerging countries for Inherent Defect Insurance recently.
In Taiwan, the engineering insurance systems and the technical inspection of engineering quality are already exist for a long time. On the insurance systems, Engineering’s Maintenance Bond is guarantee for building’s quality and warranty, and the major different is term insurance, and the Housing Performance Evaluation and some of technical works are the same as the Inherent Defect Insurance and Technical Inspection Service.
The collapsed case of Tung Hsing Building in Taipei by an earthquake in 1999 had finished the Civil litigation for more than 15 years recently. In addition, The collapsed case of Wei Guan Building in Tainan by the earthquake of Mei Nong in 2016 are still engage in a lawsuit , then after a few months of the case, an insurance company had issued the first decennial insurance in Taiwan.
After the collection, observation ,and analysis of this research, the Inherent Defect Insurance market already exist in Taiwan, but doesn’t have policy operation with this type insurance, and after compare with loss ratio of Engineering Maintenance Bond, we know that the floating loss ratio’s of Engineering Maintenance Bond in Taiwan is more bigger than the Inherent Defect Insurance that may infect and raise insurance company’s risk in the future.
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