MOSCOW, August 4. /Basereporter.com/. Russian President Vladimir Putin signed a law on insurance of property of citizens from emergency situations (es). The document adopted by the Parliament on 26 July and approved by the Federation Council on July 28, published on Friday on the official portal of legal information.
Home insurance is completely voluntary, the state is responsible for damages from emergencies to all citizens. Citizens who are not insured housing, will be able to replace the lost housing from the state in the property.
According to the document, regions will have the right to create their programs for the compensation of housing affected by the disaster, using the mechanism of voluntary insurance, the document says. A regional program may provide homeowners insurance to owners along with the assistance from the budget of citizens. Insure your home will also the citizens living in it on the terms of social hiring.
The minimum insurance amount at risk of loss of housing as a result of the disaster will determine the government. The regions will be able to determine the amount of insurance against this risk, on the basis of the minimum sum insured. In accordance with the law, the Bank of Russia will have the right to set tariffs for the minimum obligations of the insurer on the risk of emergency situations.
Citizen, insured housing, will be able to claim compensation from the insurer and from the budget of the region, depending on their share of participation in the regional program. In the event of loss of housing to insure its citizens will be able to get any insurance benefit or housing from the region, subject to the assignment of insurance payments in favor of the region.
The law also provides for the creation of a unified automated information system of insurance contracts, of residential premises. The operator of the system to ensure its establishment and operation, will be self-regulatory organization of the insurance market – the all-Russian Union of insurers. The Union will also have to organize information interaction of insurers with the Federal and regional authorities. The consent of personal data subject to processing by the system operator is not required.