The elevator's not working for six monthsChangshaMany old neighborhood owners' daily nightmares. On 18 june, changsha officially launched a pilot elevator insurance facility for special maintenance funds in the property sector, with a failure response time of less than 30 minutes and no further eight approvals for the repair of an elevator by the owner。
It's not working
From 2006 to 2024, the changsane 5 sector managed over 26,000 maintenance operations, with elevator maintenance accounting for more than 50 per cent. Of these, more than 11,000 minor repairs, or 80 per cent of the total elevator maintenance, are mostly emergency projects. Once the elevator stops, the entire building cannot go downstairs, and it usually takes half a month to fix it。
The more high-level dwellings are covered, the more frequent the elevators are used, and the failure rate for ageing is rising every year. Following the old procedure, the funds for maintenance are not allowed until a minimum of 15 days, during which the elevator is half-empty, the elderly children cannot leave the house and only bypass or climb the stairs. The worse, the more expensive it is, the more vicious it is。
Why isn't maintenance money working
The funds for maintenance are not unaffordable; they are spent too slowly. The process of voting by owners, submission of property applications, approval by the building department and disbursement of funds to the accounts must be complete at every step. A sudden strike in the elevator could not wait until all the processes were completed, and thousands of minor problems that could be solved had already become tens of thousands of pieces of trouble, which had cost more。
In 2024, hunan explicitly called for the full promotion of the use of maintenance funds for elevator insurance, and changsha was named as a pilot city. The standing committee of the municipal people's congress, in its special review of property management, also proposed innovative models for integrated elevator insurance management. At the national level, the state office and the ministry of housing have in recent years issued successive documents encouraging the exploration of safety insurance schemes for elevators。
How does the insurance pilot work
The pilot is divided into two corridors. The emergency procedure is one application, one year in effect, and the insurance company is present within 30 minutes of the elevator failure; the general procedure follows the annual protection plan, with one vote, three years in effect and suitable for preventive maintenance. Both models are able to deduct premiums directly from the owner's maintenance fund account, without the owner paying for the cash。
The threshold for applications is not high, and applications may be submitted to the district building department by a consortium of owners of more than two households in the same unit, by an industry commission or by a property enterprise. The insurance agency assesses the risk on the basis of elevator branding, age of use, and historical failure records, giving differential premiums. Once insured, insurance companies are responsible for day-to-day monitoring and emergency maintenance, and owners are less committed。
Which districts are eligible to participate
Not all sub-regions can be piloted with six hard thresholds. The elevators are subject to a period of more than five years and have passed the national quality assurance period; the account balance of the owner's sub-accounts is sufficient to pay the premium for one year; the maintenance record is in compliance and has not been penalized by the competent authorities for one year; the accounts are in normal condition in the financial management system; the elevator is certified and registered for use; and the conditions for insurance coverage by the insurance agency are met。
During the pilot period, at least five and more eligible subdistricts will be selected in the districts of changsha city districts. The subject of the application is clear: it can be submitted by the owner of the same unit 2 or more, by a board of directors or by a property enterprise. Sub-districts that meet these pre-conditions are eligible to pay for the insurance from maintenance funds, and the procedure is carried out by district and countyProperty maintenance fundsThe competent authorities receive the same treatment。
What's the efficiency of repairing the elevator
The expected data from the bsa are specific: the failure response time was reduced from the original 15 days to less than 30 minutes, over 60 per cent of the failure was repaired within 12 hours and overall maintenance efficiency increased by over 80 per cent. The insurance agency will also keep an eye on each elevator with smart monitoring and risk warning systems, with early warning of maintenance, without waiting for a complete bedside。
What is more critical is the possibility of closing a loophole in the pathology. In the past, emergency repairs were based on manual judgement, and hundreds of pieces of spare parts were sometimes written in tens of thousands. Following the intervention of the insurance institution, there are professional evaluation criteria and a uniform price system, and every maintenance fund is accounted for, the owner's money is clearly spent and the waste of money is significantly reduced。
From five blocks to the city
The pilot drew on successful experiences in chengdu and hangzhou, among others, but in conjunction with changsha, it was practically optimized. Emergency and general dual-channel designs are tailored to the high profile of long-sand emergency maintenance. The pilot will be rolled out to the city after a year of experience, and the rhythm will not be one-size-fits-all, running through and replicating。
The city has identified the way forward: to innovate the comprehensive insurance model for elevators, following a life cycle route. From installation, use, protection to end-of-life, the insurance scheme runs to the bottom. Changsha is at the forefront of the road, and if the pilot data do work, the surrounding cities will probably follow suit。
How many years has the elevator been in your neighborhood? If the pilot were to go to you, would you be willing to buy this elevator insurance with maintenance money? Welcome to the comment area and feel useful to send a compliment to the neighbours。
