摘要
臺灣地區的都市高密度化的發展，地窄人稠的都市空間，房屋建築緊鄰而立的景象，四處可見，加上都市型態快速發展，新舊建築物混雜其中，而且建築工程中地質情況無法百分之百的完全預測，建築物龜裂、倒塌的情況，常有所聞，故損鄰事件對營建施工上有一定風險之存在。 由於國內對第三人建築物龜裂倒塌責任險(簡稱鄰屋險)之投保成效研究相當缺乏，幾年來國內損鄰之諸多相關學術文獻焦點皆在討論損鄰事件爭議處理制度與工法上之研究，故有其深入研究鄰屋險之必要，得以讓營建工程業者瞭解投保鄰屋險的真正效益是否存在。 本文首先從風險管理之角度來檢視損鄰事件之損失風險內容，並提出一可行性的風險管理策略。接下來針對國內外鄰屋險相關保險契約內容作一比較，蒐集國內鄰屋險投保資料並統計分析之，再進行保險實務專家訪談，瞭解目前投保鄰屋險之效益與困境，最後提出一合理的對策，提供工程業者與保險業者作一未來鄰屋險改善之努力方向。研究成果有以下三點： 一、龜裂險與倒塌險應區分計算，讓營建業者作一投保需求的選擇空間，保險公司則可運用再保險機制，將倒塌險風險移轉給再保險公司，進而擴大鄰屋險的承保能量。 二、鄰屋險保險條款作一適宜性修改，以符合實務上運作之需求。 三、投保額度不宜過於制式規範，應保留部分彈性空間，給業主單位承辦人員及營造廠作一自主選擇。
並列摘要
The third party building damage should be considered into one of construction risks, especially in crowded communities. However, Vibration Clause, the potential solution of distributing responsibilities between owners, construction firm, and residents, is deficient in investigating and analyzing its benefit. Prior research made several important statements on claim mechanism caused by the third party building damage and construction techniques. In fact, what seems to be lacking is the point of view of construction firm in analyzing the real benefit of Vibration Clause. The purpose of this research is to examine the influence made by building damage and provide an operational strategy. This research compared the insurance policy between foreign countries and Taiwan. Meanwhile, this study collected insurance data and analyzed the statistic results. Then, interviewing with related experts was adapted. The objective is to assist construction engineers and insurers to make relational decisions in Vibration Clause of Construction All Risks. The results of this research are as fallows: 1) Insurance premium and cover section of crack and collapse should be separated. Accordingly, insurers may further provide more capacity to construction firms. 2) Vibration Clause based on the need of practice should be revised. 3) Restrictions in insured amount of engineering contract should be improved.