Electronic building quality defect insurance service method

Abstract

The invention discloses an electronic building quality defect insurance service method. According to the invention, site inspection is regularly carried out on the construction site through the third-party technical inspection service, construction cost control and risk prevention are carried out, construction engineering safety supervision and engineering quality detection are carried out, and new use requirements are found in operation period detection, so that engineering resources can be better utilized, and the engineering use efficiency can be improved. The intermediate detection can help an owner or a supervision mechanism to supervise the engineering construction quality, discover nonstandard behaviors in construction in time, correct and maintain the engineering quality, avoid accumulation and aggravation of quality problems in the construction process, ensure perfect construction of the engineering, and meet expected design standards and quality requirements; and engineering quality detection before acceptance also needs to carry out comprehensive detection on a construction site, including on-site safety and environmental problems, so that potential safety hazards in the construction engineering can be checked, and the safety and environmental protection in the engineering construction process can be ensured.

Description

Technical Field

[0001] This invention belongs to the field of building quality defect insurance technology, specifically an electronic building quality defect insurance service method. Background Technology

[0002] Building defect insurance is a type of insurance designed to protect building owners and users from quality issues, ensuring timely repair and compensation in the event of such problems. Its main feature is compensation for quality issues occurring within the warranty period, including defects in building materials, design, and construction. The insurance period typically coincides with the building's warranty period, and the insured amount is assessed based on the building's value and the potential for quality problems. During the insurance period, if quality issues arise, the insurance company will compensate according to the terms of the insurance contract, including costs for repairing the building, demolition and reconstruction, and other losses caused by the quality problems. The primary purpose of building defect insurance is to provide financial security for building owners and users, ensuring timely compensation and repair in the event of quality issues. Furthermore, this insurance can promote quality management within the construction industry, improving the quality and safety of buildings.

[0003] However, most building defect insurance services are provided manually, which affects the overall efficiency of building defect insurance services and makes them inconvenient to use. Summary of the Invention

[0004] The purpose of this invention is to provide a method for providing electronic building quality defect insurance services in order to solve the problems mentioned above.

[0005] The technical solution adopted in this invention is as follows: A method for providing electronic building quality defect insurance, the method comprising the following steps:

[0006] S1: Conduct risk assessment and identification: In the early stages of an engineering project, the insurance company or its commissioned third-party technical testing service will conduct a risk assessment of the project;

[0007] S2: Signing the Insurance Contract: Based on the risk assessment results, the insurance company will sign an insurance contract with the owner or relevant parties of the construction project. The contract will clearly define key terms such as the scope of insurance coverage, term, liability limits, and deductible.

[0008] S3: Monitoring during construction: During construction, third-party technical inspection services will regularly conduct on-site inspections, cost control and risk prevention, construction safety supervision, and quality testing to ensure that construction quality meets standards and to promptly identify potential quality issues. These inspections may generate periodic reports for insurance companies and project owners.

[0009] S4: If quality issues are found during the inspection, TIS will propose corrective measures and supervise the corrective process to ensure that the issues are properly resolved.

[0010] S5: In the event of loss or damage caused by construction defects during the insurance period, the project owner may file a claim with the insurance company. Claims typically require supporting documentation such as proof of loss, an accident report, and a repair plan. The insurance company will assess the damage according to the contract terms and is responsible for paying the corresponding compensation. Compensation may include repair costs, alternative accommodation costs, and business interruption losses.

[0011] S6: Insurance companies and third-party technical inspection services will provide follow-up services, including supervision of the repair work and reassessment, to ensure that the problem is completely resolved, after which the entire electronic building quality defect insurance service process can be completed.

[0012] In a preferred embodiment, step S1 includes analyzing aspects such as engineering design, construction plans, and material selection to identify potential quality defect risks. Risk identification methods include comprehensive analysis across multiple levels. This requires extensive collection and organization of massive amounts of data, including project design drawings, specifications, and contract conditions; reviewing project plans, budgets, and timelines; and analyzing supply chain and logistics arrangements. During this process, potential problem areas and resource risks must be accurately identified. Furthermore, historical records and case studies of similar projects should be studied to identify recurring problems and risk patterns from past projects, using project databases and knowledge bases to learn from historical lessons. Communication and exchange with project participants are essential, including discussions with project team members, suppliers, and clients. Workshops or focus groups can be organized, and questionnaires can be designed to collect and organize feedback, obtaining comprehensive information. Finally, expert analysis can be employed, utilizing the expertise of industry experts, consultants, or experienced project managers. Expert opinions can be obtained through brainstorming, the Delphi method, or SWOT analysis, and combined with expert insights and the specific circumstances of the project for comprehensive analysis.

[0013] In a preferred embodiment, step S1, risk assessment, is a crucial step after identifying potential risks. The goal of this stage is to determine the possible impact of these risks on the project and the probability of occurrence of each type of risk factor. Conducting a risk assessment first requires an impact analysis, which assesses the potential impact of each risk on project cost, schedule, and quality. Based on this, the probability of occurrence of each type of risk factor is assessed to determine the likelihood of each risk occurring. Finally, the risk factors are prioritized and ranked according to their severity and probability of occurrence to determine the risks that require priority management.

[0014] In a preferred embodiment, step S3, which involves early prevention and handling of cost control risks and their implementation in specific risk management practices, requires starting with the preliminary risk assessment stage. This involves strengthening the accurate assessment of cost risks, developing a pre-planned cost risk assessment work plan, comprehensively considering cost risks, and conducting multi-faceted assessments. A comprehensive analysis of various factors affecting the cost management plan is conducted to improve the ability to prevent and manage cost risks. Scientific cost risk management is implemented by comparing construction technologies and processes, and the construction plan with the best cost-effectiveness is selected. After comprehensive consideration, the feasibility of the construction plan is improved, preventing the occurrence of cost risks. Early management is implemented for cost risks that may arise from changes in project volume, design errors, and design changes. The content of signed contracts is carefully reviewed and used as a basis for early claims, minimizing cost risks, mitigating risks from unforeseen events, improving the function of the risk prevention and control system, and ensuring that the construction project can stably achieve its construction goals.

[0015] In a preferred embodiment, in step S3, the construction safety supervision, in the optimization process of the construction supervision system, must be based on scientific supervision management to better play its role. From the current situation, we should pay attention to the following: First, a suitable supervision plan should be determined based on the complexity and overall scale of the construction project to ensure that all projects can be carried out efficiently and safely. Second, a sound organizational structure should be established, clearly defining the responsibilities and authority of each department to ensure the smooth progress of supervision work. Finally, the individual capabilities of the supervision personnel should meet the overall requirements of the project construction, forming an efficient operating team, including a middle layer, a decision-making layer, an execution layer, and a coordination layer. At the decision-making layer, senior professional technicians with strong comprehensive management capabilities and rich construction experience should be appointed; coordinating managers and middle-level staff must possess good technical skills and excellent communication and coordination abilities; staff at the management and operation layer can be junior or intermediate technical personnel. Through these measures, we can improve the efficiency and quality of construction supervision work, ensuring the smooth completion of construction projects.

[0016] In a preferred embodiment, in step S3, construction safety supervision ensures construction quality by establishing a scientific and reasonable supervision management system. When formulating the supervision system, it is necessary to refine the supervision management system and regulations specifically for construction safety and quality. For example, it may focus on safety risks in construction and accurately assess, identify, and control them. When establishing and improving the supervision management system, it is necessary to set up targeted solutions based on the actual situation of construction. When serious quality problems occur in the construction project or when the construction unit fails to meet standard requirements, the supervisor can, according to relevant regulations and requirements, order the construction unit to suspend construction. If necessary, the supervisor can report the incident to government departments, and then, with the assistance of government departments, conduct joint supervision to urge the construction unit to rectify the situation as soon as possible.

[0017] In a preferred embodiment, step S3, the pre-acceptance inspection steps for project quality testing, include: First, material testing. Pre-acceptance project quality testing involves inspecting the quality of various building materials used in construction, including bricks, cement, steel bars, and timber. This ensures that the materials meet relevant national standards and specifications, guaranteeing their reliability. Second, construction process testing. Pre-acceptance project quality testing comprehensively evaluates various construction processes used, including deep foundation pits, foundations, wall structures, and roof waterproofing layers. This ensures the rationality and scientific nature of the construction process, meeting the requirements for project acceptance. Third, building equipment testing. Pre-acceptance project quality testing inspects building equipment, including lifting machinery, mechanical vibration equipment, ventilation equipment, and water supply and drainage equipment. Testing building equipment can identify design and construction problems, ensuring compliance and safety.

[0018] In a preferred embodiment, step S3, the engineering quality inspection during intermediate construction includes the following steps: First, monitoring the construction progress. Intermediate inspection, through comprehensive tracking and monitoring of the construction process, can promptly identify bottlenecks and weaknesses in the construction process, ensuring a reasonable, efficient, and orderly progress. In construction supervision, timely understanding of the project progress enables owners and management agencies to better manage and guide construction, thereby improving construction efficiency. Second, identifying and resolving problems. Intermediate inspection can promptly identify problems and defects in the construction process. Data analysis can help in rectification, ensuring better project results. For example, implementing intermediate inspection can promptly identify substandard foundations, allowing for timely replacement of building materials before continuing construction, avoiding safety hazards after completion. Third, reducing rework. Mistakes are common during construction; timely correction and rectification can effectively reduce subsequent rework. Intermediate inspection can promptly identify and correct problems in the construction process, thus avoiding future rework and waste of building materials. Fourth, effectively implementing quality supervision.

[0019] In a preferred embodiment, step S3, the operational phase inspection of the engineering quality inspection includes: First, ensuring the safety of the project. Operational phase inspection can promptly identify problems and hidden dangers in the project, allowing for timely repair or maintenance to avoid safety accidents and unnecessary losses. For example, operational phase inspection of the facade of a high-rise building can identify cracks and damage on the building surface, allowing for timely repair and preventing safety hazards such as exterior wall collapse. Second, extending the service life of the project. The service life of a building project after completion includes an extended operational phase. Operational phase inspection aims to promptly identify aging and wear and tear issues, extending the service life and reducing the cost of project renewal and repair through timely maintenance. For example, timely waterproofing maintenance of the building's exterior walls can prevent water from seeping into the wall and causing cracks, thereby extending the building's service life. Third, meeting new usage needs. During the use of the project after construction, new usage needs may arise. Operational phase inspection can promptly identify how to meet these new usage needs, such as building renovation or functional adjustments. Fourth, repair and value enhancement. Operational testing allows for the timely detection of problems in the project, enabling value-added repairs and improvements. For example, early detection of aging doors and windows allows for replacement with newer, more burglar-proof models, not only solving the problem but also enhancing security.

[0020] In a preferred embodiment, step S6 includes follow-up services such as providing risk management training to project owners and offering best practice guidelines to improve their awareness and skills in building quality management.

[0021] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0022] 1. In this invention, through insurance, owners, developers, and contractors of construction projects can transfer potential economic losses caused by construction quality defects to insurance companies, alleviating their financial burden. The introduction of third-party technical inspection services and monitoring during construction helps ensure that construction quality meets standards and reduces the occurrence of quality problems. Regular on-site inspections and assessments help identify potential quality problems early, allowing for timely remedial measures to prevent the problems from escalating and causing long-term impacts. Early identification and remediation of quality problems can avoid larger-scale repair work later, thus saving costs. Construction quality defect insurance can enhance homebuyers' confidence in building quality and improve the market reputation of developers and builders. TIS agencies typically employ advanced testing technologies and methods, which helps promote technological progress and management innovation in the construction industry. Insurance companies and TIS agencies ensure that construction projects comply with relevant laws, regulations, and contractual requirements, reducing legal disputes. The widespread application of construction quality defect insurance helps raise standards across the entire construction industry and promotes its healthy development. Professional claims processes ensure that affected parties receive rapid and fair compensation in the event of quality problems. By ensuring construction quality, the long-term value and sustainability of buildings are enhanced, which is beneficial to environmental protection and resource conservation.

[0023] 2. In this invention, third-party technical inspection services regularly conduct on-site inspections of the construction site, control costs and prevent risks, supervise construction safety, and conduct engineering quality testing. By identifying new usage needs during operational testing, new usage requirements can be discovered, allowing for better utilization of project resources and improved project efficiency. Intermediate testing helps owners or supervisory agencies monitor construction quality, promptly identifying non-standard practices, correcting and maintaining project quality, preventing the accumulation and escalation of quality problems during construction, ensuring the project is perfectly completed, and meeting the expected design standards and quality requirements. Furthermore, pre-acceptance engineering quality testing requires comprehensive on-site inspection, including on-site safety and environmental issues, to identify potential safety hazards in the construction project, ensuring safety and environmental protection during the construction process. Detailed Implementation

[0024] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the invention.

[0025] Example:

[0026] A method for providing electronic building quality defect insurance services, comprising the following steps:

[0027] S1: Conduct risk assessment and identification: In the early stages of an engineering project, the insurance company or its commissioned third-party technical testing service will conduct a risk assessment of the project;

[0028] S2: Signing the Insurance Contract: Based on the risk assessment results, the insurance company will sign an insurance contract with the owner or relevant parties of the construction project. The contract will clearly define key terms such as the scope of insurance coverage, term, liability limits, and deductible.

[0029] S3: Monitoring during construction: During construction, third-party technical inspection services will regularly conduct on-site inspections, cost control and risk prevention, construction safety supervision, and quality testing to ensure that construction quality meets standards and to promptly identify potential quality issues. These inspections may generate periodic reports for insurance companies and project owners.

[0030] S4: If quality issues are found during the inspection, TIS will propose corrective measures and supervise the corrective process to ensure that the issues are properly resolved.

[0031] S5: In the event of loss or damage caused by construction defects during the insurance period, the project owner may file a claim with the insurance company. Claims typically require supporting documentation such as proof of loss, an accident report, and a repair plan. The insurance company will assess the damage according to the contract terms and is responsible for paying the corresponding compensation. Compensation may include repair costs, alternative accommodation costs, and business interruption losses.

[0032] S6: Insurance companies and third-party technical inspection services will provide follow-up services, including supervision of the repair work and reassessment, to ensure that the problem is completely resolved, after which the entire electronic building quality defect insurance service process can be completed.

[0033] Step S1 involves analyzing aspects such as engineering design, construction plans, and material selection to identify potential quality defect risks. Risk identification methods include comprehensive analysis across multiple levels. This requires extensive collection and organization of massive amounts of data, including project design drawings, specifications, and contract conditions; reviewing project plans, budgets, and timelines; and analyzing supply chain and logistics arrangements. During this process, potential problem areas and resource risks must be accurately identified. Additionally, historical records and case studies of similar projects should be studied to identify recurring problems and risk patterns, using project databases and knowledge bases to learn from past experiences. Communication and exchange with project participants are crucial, including discussions with project team members, suppliers, and clients. Workshops or focus groups can be organized, and questionnaires can be designed to collect and organize feedback, obtaining comprehensive information. Finally, expert analysis can be employed, utilizing the expertise of industry experts, consultants, or experienced project managers. Methods such as brainstorming, the Delphi method, or SWOT analysis can be used to obtain expert opinions, which are then combined with expert insights and the specific circumstances of the project for comprehensive analysis.

[0034] In step S1, risk assessment is a crucial step in identifying potential risks. The goal of this stage is to determine the possible impact of these risks on the project and the probability of occurrence for each type of risk factor. Conducting a risk assessment first requires an impact analysis, which assesses the potential impact of each risk on project cost, schedule, and quality. Based on this, the probability of occurrence for each type of risk factor is assessed to determine the likelihood of each risk occurring. Finally, the risk factors are prioritized, ranked according to their severity and probability of occurrence to identify the risks that require priority management.

[0035] In step S3, the early prevention and handling of cost control risks, and their implementation in specific risk management practices, require starting with the preliminary risk assessment stage. This involves strengthening the accurate assessment of cost risks, developing a pre-planned cost risk assessment work plan, comprehensively considering cost risks, and conducting multi-faceted assessments. A comprehensive analysis of various factors affecting the cost management plan is needed to improve the ability to prevent and manage cost risks. Scientific cost risk management should be conducted by comparing construction technologies and processes, and the construction plan with the best cost-effectiveness should be selected. After comprehensive consideration, the feasibility of the construction plan should be improved to prevent the occurrence of cost risks. Early management of cost risks that may arise from changes in project quantities, design errors, and design changes is crucial. The content of signed contracts should be carefully reviewed and used as a basis for early claims to minimize cost risks, mitigate risks from unforeseen events, improve the functionality of the risk prevention and control system, and ensure that the construction project can stably achieve its construction goals.

[0036] In step S3, the optimization of the construction project supervision system must be based on scientific supervision management to better leverage the role of supervision. From the current situation, we should pay attention to the following: First, we must determine a suitable supervision plan based on the complexity and overall scale of the construction project to ensure that all aspects of the project are carried out efficiently and safely. Second, we must establish a sound organizational structure, clearly defining the responsibilities and authority of each department to guarantee the smooth progress of supervision work. Finally, we must ensure that the individual capabilities of the supervision personnel meet the overall requirements of the project construction, forming an efficient operating team, including middle management, decision-making, execution, and coordination layers. At the decision-making level, senior professional technicians with strong comprehensive management capabilities and rich construction experience should be appointed; coordinating managers and middle-level staff must possess good technical skills and excellent communication and coordination abilities; and staff at the management and operation level can be junior or intermediate technical personnel. Through these measures, we can improve the efficiency and quality of construction supervision work, safeguarding the successful completion of construction projects.

[0037] In step S3, construction safety supervision ensures construction quality by establishing a scientific and reasonable supervision management system. When formulating the supervision system, it is necessary to refine the supervision management system and regulations specifically for construction safety and quality. For example, it should focus on safety risks in construction and accurately assess, identify, and control them. When establishing and improving the supervision management system, targeted solutions need to be set up based on the actual situation of construction. When serious quality problems occur in the construction project or the construction unit fails to meet standard requirements, the supervisor can, according to relevant regulations and requirements, order the construction unit to suspend construction. If necessary, the supervision unit can report the incident to government departments, and then, with the assistance of government departments, conduct joint supervision to urge the construction unit to rectify the situation as soon as possible.

[0038] Step S3, the pre-acceptance inspection steps for project quality testing include: First, material testing. Pre-acceptance project quality testing involves inspecting the quality of all building materials used in construction, including bricks, cement, steel bars, and timber. This ensures that the materials meet relevant national standards and specifications, guaranteeing their reliability. Second, construction process testing. Pre-acceptance project quality testing involves a comprehensive evaluation of all construction processes used, including deep foundation pits, foundations, wall structures, and roof waterproofing layers. This ensures the rationality and scientific nature of the construction process, meeting the requirements for project acceptance. Third, building equipment testing. Pre-acceptance project quality testing involves inspecting building equipment, including lifting machinery, mechanical vibration equipment, ventilation equipment, and water supply and drainage equipment. Inspecting building equipment can identify design and construction issues, ensuring compliance and safety.

[0039] In step S3, the inspection steps for engineering quality testing during the intermediate construction process include: First, monitoring the construction progress. Intermediate inspection, through comprehensive tracking and monitoring of the construction process, can promptly identify bottlenecks and weaknesses in the project's progress, ensuring a reasonable, efficient, and orderly construction process. In construction project supervision, timely understanding of the project's progress enables owners and management agencies to better manage and guide construction, thereby improving construction efficiency. Second, identifying and resolving problems. Intermediate inspection can promptly identify problems and defects in the construction process. Data analysis can help in rectification, ensuring better project results. For example, implementing intermediate inspection can promptly identify substandard foundations, allowing for timely replacement of building materials before continuing construction, avoiding safety hazards after completion. Third, reducing rework. Mistakes are common during construction; timely correction and rectification can effectively reduce subsequent rework. Intermediate inspection can promptly identify and correct problems in the construction process, thus avoiding future rework and waste of building materials. Fourth, effectively implementing quality supervision.

[0040] Step S3, the operational phase inspection of the project quality inspection includes the following steps: First, ensuring the safety of the project. Operational phase inspection can promptly identify problems and potential hazards in the project, allowing for timely repairs or maintenance to avoid safety accidents and unnecessary losses. For example, operational phase inspection of the exterior facade of a high-rise building can identify cracks and damage on the building surface, allowing for timely repairs and preventing safety hazards such as exterior wall collapse. Second, extending the service life of the project. The service life of a building project after completion includes an extended operational phase. Operational phase inspection aims to promptly identify aging and wear and tear issues, extending its service life and reducing the cost of project renewal and repair through timely maintenance. For example, timely waterproofing maintenance of the building's exterior walls can prevent water from seeping into the wall and causing cracks, thereby extending the building's service life. Third, meeting new usage needs. During the use of the project after construction, new usage needs may arise. Operational phase inspection can promptly identify how to meet these new usage needs, such as building renovations or functional adjustments. Fourth, repair and value enhancement. Through operational phase inspection, problems in the project can be promptly identified, allowing for value enhancement through repair and improvement. If aging doors and windows are detected in time, they can be replaced with new ones that offer better security, which not only solves the problem but also improves safety.

[0041] In step S6, follow-up services also include providing risk management training to project owners and offering best practice guidelines to improve their awareness and skills in building quality management.

[0042] In this invention, through insurance, building project owners, developers, and contractors can transfer potential economic losses caused by building quality defects to insurance companies, alleviating their financial burden. The introduction of third-party technical inspection services and monitoring during construction helps ensure construction quality meets standards and reduces the occurrence of quality problems. Regular on-site inspections and assessments help identify potential quality issues early, allowing for timely remedial measures to prevent the problems from escalating and causing long-term impacts. Early identification and remediation of quality problems avoids larger-scale repair work later, thus saving costs. Building quality defect insurance can enhance homebuyers' confidence in building quality and improve the market reputation of developers and builders. TIS agencies typically employ advanced testing technologies and methods, which helps promote technological progress and management innovation in the construction industry. Insurance companies and TIS agencies ensure that building projects comply with relevant laws, regulations, and contractual requirements, reducing legal disputes. The widespread application of building quality defect insurance helps raise standards across the entire construction industry and promotes its healthy development. Professional claims processes ensure that affected parties receive rapid and fair compensation in the event of quality problems. By ensuring building quality, the long-term value and sustainability of buildings are enhanced, contributing to environmental protection and resource conservation.

[0043] In this invention, third-party technical inspection services regularly conduct on-site inspections of construction sites, control costs and prevent risks, supervise construction safety, and conduct engineering quality testing. By identifying new usage needs during operational testing, new usage requirements can be discovered, leading to better utilization of project resources and improved project efficiency. Intermediate testing helps owners or supervisory agencies monitor construction quality, promptly identifying non-standard practices, correcting and maintaining project quality, preventing the accumulation and escalation of quality problems during construction, ensuring perfect project completion, and meeting expected design standards and quality requirements. Furthermore, pre-acceptance engineering quality testing requires comprehensive on-site inspections, including on-site safety and environmental issues, to identify potential safety hazards in the construction project, ensuring safety and environmental protection during construction.

[0044] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes the element.

[0045] The above embodiments are only used to illustrate the technical solutions of the present invention, and are not intended to limit it. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. An electronic building quality defects insurance service method, characterized by: The service method comprises the following steps: S1: risk assessment and identification: in the initial stage of the project, the insurance company or its commissioned third-party technical inspection service will conduct a risk assessment on the project; S2: signing of the insurance contract: based on the results of the risk assessment, the insurance company will sign an insurance contract with the owner or relevant parties of the construction project; the contract will clearly define the key terms such as coverage, term, liability limit, and deductible; S3: monitoring during the construction process: during the construction process, the third-party technical inspection service will conduct regular on-site inspections, cost control risk prevention, construction safety supervision, and engineering quality detection to ensure that the construction quality meets the standards and to promptly identify potential quality problems; these inspections may have periodic reports for the insurance company and the project owner to refer to; S4: if quality problems are found during the inspection process, the TIS will propose rectification recommendations and supervise the rectification process to ensure that the problems are properly resolved; S5: if losses or damages caused by construction quality defects occur within the insurance period, the project owner can submit a claim to the insurance company; the claim usually requires the provision of loss proof, accident report, repair plan, and other relevant documents; the insurance company will evaluate according to the contract terms and be responsible for paying the corresponding compensation; the compensation may include repair costs, alternative accommodation costs, and business interruption losses; S6: the insurance company and the third-party technical inspection service will provide follow-up services, including supervision of the repair work, re-evaluation, etc., to ensure that the problems are completely resolved, and the entire electronic construction quality defect insurance service process will then be completed.

2. The electronic building quality defects insurance service method of claim 1, wherein: In step S1, the project design, construction plan, material selection, etc. are analyzed to identify potential quality defect risks; the risk identification method includes comprehensive analysis of multiple aspects; a large amount of data, including design drawings, specification manuals, contract conditions, etc., must be collected and organized; project plans, budgets, and schedules are reviewed, and supply chain and logistics arrangements are analyzed; in this process, problem areas and potential resource risks are accurately identified; in addition, historical records and cases of similar projects are selected for research to identify recurring problems and risk patterns from past projects; project databases and knowledge bases are used to draw on historical lessons; communication with project participants is conducted, including discussions with project team members, suppliers, customers, etc.; workshops or focus groups are organized, and questionnaires are designed to collect feedback and obtain comprehensive information; finally, expert analysis is used to obtain expert opinions through brainstorming, Delphi method, or SWOT analysis, and the opinions of experts and project-specific conditions are combined for comprehensive analysis.

3. The method of claim 1, wherein the method further comprises: receiving a request for a building quality defect insurance service from the user; and providing the building quality defect insurance service to the user. The step S1, risk assessment is the key step after identifying potential risks; the goal of this stage is to determine the possible impact of these risks on the project, and the occurrence probability of various risk factors; when carrying out risk assessment, first of all, impact analysis is needed, that is, to assess the impact of each risk on the cost, schedule and quality of the project; on this basis, the occurrence probability of various risk factors is evaluated to determine the possibility of each risk; finally, the priority of risk factors is divided, and the risks that need to be managed are sorted according to the severity and probability of risk.

4. The electronic building quality defects insurance service method of claim 1, wherein: In step S3, the early prevention and treatment of cost control risk prevention, and implementation to the specific risk control practice, need to start from the early assessment of risk, strengthen the accurate assessment of cost risk, make the cost risk assessment plan in advance, consider the cost risk comprehensively, and carry out multi-angle assessment work; comprehensive analysis of various factors affecting the cost management scheme, improve the prevention and control ability of cost risk, and choose the construction scheme with the best cost performance; after comprehensive consideration, improve the feasibility of construction scheme, prevent the occurrence of cost risk problem, early governance of cost risk caused by engineering quantity change, design error and design drawing change, grasp the signed contract content, and take it as the basis to carry out early claim, reduce the cost risk problem to the minimum, resist the risk brought by sudden events, perfect the function of risk prevention and control system, and ensure that the construction project can complete the construction goal stably.

5. The method of claim 1, wherein the method further comprises: receiving a request for a building quality defect insurance service from the user; and providing the building quality defect insurance service to the user. 5 In step S3, the construction engineering safety supervision must be based on scientific supervision management in the optimization process of construction engineering supervision system, so as to better play the role of supervision; from the present situation, we should pay attention to: first of all, according to the complexity and overall scale of the construction project, determine the suitable supervision scheme; ensure that each project can be carried out efficiently and safely; secondly, establish a perfect organization department, and clear the responsibilities and authorities of each department, provide guarantee for the smooth progress of supervision work; finally, ensure that the personal ability of supervision personnel can meet the overall requirements of project construction, form an efficient operation team, including intermediate layer, decision-making layer, execution operation layer and coordination layer; in the decision-making layer, senior professional and technical personnel with strong comprehensive management ability and rich construction experience should be responsible; the coordinators and middle-level employees must have good technical strength and good communication and coordination ability; the staff of management operation layer can be junior or intermediate technical personnel; through the above measures, we can improve the efficiency and quality of construction supervision work, and escort the smooth completion of construction engineering project.

6. The electronic building quality defect insurance service method of claim 1, wherein: In step S3, the construction safety supervision ensures the construction quality by formulating scientific and reasonable supervision management system; when formulating the supervision system, the supervision management system and regulations are refined according to the construction safety and construction quality; for example, the safety risks in the construction are focused on, and are accurately evaluated, identified and controlled; when the supervision management system is established and improved, the targeted solutions are set according to the actual situation of the construction; when the engineering construction has serious quality problems and the construction unit does not construct according to the standard requirements, the supervision workers can suspend the construction according to the relevant regulations and requirements, and in the case of need, the supervision unit can report the event to the government department, and then jointly supervise under the assistance of the government department, so as to promote the construction unit to rectify as soon as possible.

7. The electronic building quality defect insurance service method as described in claim 1, characterized in that: In step S3, the engineering quality detection in the detection step before acceptance includes: first, material detection; the engineering quality detection before acceptance detects the quality of various building materials used in construction, including bricks, cement, steel bars, wood and the like; through the quality detection of the materials, it can be ensured that they meet the relevant national standards and specification requirements, so as to ensure the reliable quality of the materials; second, construction technology detection; the engineering quality detection before acceptance comprehensively evaluates various construction technologies used in the construction process, including deep foundation pit, foundation, wall structure, roof waterproof layer and the like; through the detection of the construction technology, the rationality and scientificity of the construction process can be ensured to meet the requirements of engineering acceptance; third, building equipment detection; the engineering quality detection before acceptance detects the building equipment, including hoisting machinery, mechanical vibration, ventilation equipment, water supply and drainage equipment and the like, and the detection of the building equipment can find the problems in design and construction, and ensure its compliance and safety.

8. The electronic building quality defect insurance service method as described in claim 1, characterized in that: In step S3, the engineering quality detection in the detection step in the middle construction process includes: first, grasping the construction progress; the intermediate detection can track and detect the engineering construction process comprehensively, timely find the bottlenecks and weak points of the engineering construction, and grasp the engineering construction progress, so as to ensure that the engineering construction process is reasonable, efficient and orderly; in the construction engineering supervision, timely understanding the engineering progress can make the owner and management agencies better manage and guide the construction, so as to improve the engineering construction efficiency; second, finding and solving problems; the intermediate detection can timely find the problems and defects in the engineering construction process, and after data analysis, it can help to rectify, so as to ensure that the engineering construction achieves better effect; for example, the intermediate detection can timely find the unqualified foundation, so as to replace the building materials in time before continuing the construction, and avoid the safety hidden danger after completion; third, reducing the number of rework; in the engineering construction process, mistakes in construction are common, if corrected and rectified in time, the number of rework can be effectively reduced; through the intermediate detection, the problems in the engineering construction process can be found and corrected in time, so as to avoid the rework and waste of building materials in the future; fourth, effectively implementing quality supervision.

9. The electronic building quality defect insurance service method of claim 1, wherein: In the step S3, the engineering quality detection in the operation period detection step includes: first, ensuring the safety of the engineering; the operation period detection can find problems and hidden dangers in the engineering in time, and timely repair or maintenance can avoid safety accidents and unnecessary losses; for example, the operation period detection of the building facade of high-rise buildings can find cracks and damage on the surface of the building and other problems, and timely repair can avoid safety hazards such as the collapse of the outer wall; second, prolong the service life of the engineering; the service life of the building engineering after completion is a longer period of time including the operation period, and the operation period detection is to find problems such as aging and wear of the engineering in time, and the service life of the engineering can be prolonged by timely maintenance, and the cost of engineering update and maintenance can be reduced; for example, timely waterproof maintenance of the building outer wall can prevent water from seeping into the wall body to cause wall cracking, thereby prolonging the service life of the building; third, meet new use requirements; in the use process after the engineering construction, there may be new use requirements, and the operation period detection can find how to meet these new use requirements in time, such as the modification or function adjustment of the building; fourth, repair and value-added; through the operation period detection, problems in the engineering can be found in time, and value-added can be realized in repair and improvement; for example, timely discovery of door and window aging problems can replace new doors and windows with better anti-theft performance, which not only solves the problem but also improves the safety.

10. The electronic building quality defect insurance service method as described in claim 1, characterized in that: In the step S6, the subsequent service also includes risk management training for the project owner, providing best practice guidelines, etc., to improve his understanding and skills of building quality management.