What is DASK? Understanding Earthquake Insurance in Turkey

It has become important, in light of the exceptional circumstances and natural disasters, especially earthquakes, to know what a “dask” is and how important it is and how it relates to residential properties being built in Turkıye.

In this article, we will shed light on the “DASk” document: what is it?, what is its importance?, where is it obtained from?, and other matters related to this topic.

At the beginning, it must be made clear that the “DASK” is an insurance policy against earthquakes in Turkey, or insurance against natural disasters, and it aims to insure the property from damage resulting from earthquakes. It was approved by the Turkish government in 1999, and after this year, the “DASK” became mandatory for all Property owners.

It also means the Natural Disaster Insurance Foundation in Turkey, and it is also called SİGORTA DEPRAM, which means earthquake insurance. This document is granted by the Natural Disaster Insurance Foundation in Turkıye to owners of residential apartments.

The importance of earthquake insurance in Turkey is due to insuring the home and property against unexpected risks, and the main goal of home insurance is to reduce material damage in dangerous situations that you may encounter and may not be able to do alone, and thus you can continue your life normally after the earthquake.

“DASK” insurance covers: material damage, including damage that may occur on stairs and elevators, and damage resulting from earthquakes, including fire, explosion, and landslide damage in buildings. This insurance also covers compensation for damages, whether the damage is partial or complete in The property.

The "Dask" document, or earthquake insurance, is considered one of the important documents required when conducting any transaction of buying or selling real estate in Turkey, and even also when opening the electricity meter in particular.

The purpose of this document is to participate financially with the affected people, and the cost of the loss is calculated and delivered to them in cash. This is firstly, and secondly, obliging citizens to obtain insurance in order to maintain all buildings and apartments as conforming to the standards imposed by the Turkish government in order to avoid these earthquakes as much as possible.

The most prominent information required from the property owner in Turkıye to obtain an earthquake insurance policy is: the residence number, Turkish ID, or tax number, the area of ​​the residential apartment or building, and the full address of the property.

In the event that the property suffers any damage as a result of an earthquake or earthquake, “Dask”, or the Natural Disaster Insurance Corporation in Turkıye, is committed to covering the expenses of building basics and rules, basic walls, joint walls between rooms, ceilings and floors, stairs, elevators, corridors and roofs, and walls. Gardens, and sections complementary to the upper parts.

It must be noted that earthquake insurance is paid for the first time to obtain water, electricity, and gas services, and is for one year, after which the property owner pays earthquake insurance annually, through insurance companies, banks, or post offices.

The insurance value for the earthquake varies according to the property’s specifications according to the following: the age of the building, the area of ​​the apartment or office, the number of rooms in the property, and the location of the property.

The cost of home insurance in Turkey is calculated based on the size and shape of the house or property, provided that it does not exceed the maximum coverage amount. The maximum insurance amount for all types of buildings is 240 thousand Turkish liras, as the cost of rebuilding the destroyed dwelling is taken into account, excluding the value of the land. Criteria for the building's proximity or distance from earthquake zones are taken into consideration.

It should be noted that the person concerned with paying the insurance is exclusively the property owner or his agent, and tenants have nothing to do with paying earthquake insurance in Turkıye. Payment is made for the first time when the document is issued, and then the insurance is paid annually on the date specified by the “DASK” Foundation.

We note that earthquake insurance does not provide any compensation such as: home and office furniture, merchandise in shops, rental compensation, cases of death, unemployment, psychological and physical damage, transportation expenses to a new home or office, and all other expenses.

When starting to build a residential or real estate complex, it is important to take into account its conformity with the research and studies previously conducted on the soil on which it is to be built and the materials used in the building foundations, so that the foundation is made appropriate to the nature of the ground with the aim of maximum tolerance to tremors and tremors.

The qualifications of the building components and the doors and windows that are compatible with such disasters are verified so that they are designed in a way that contributes to mitigating the effects of earthquakes on the residents in the building when earthquakes occur, with full adherence in this type of building during the foundation stages to the standards that ensure the protection of the walls from cracking or cracking. Demolition and other details and details that improve the safety of buildings against natural disasters and pests, especially earthquakes.

The loads and self-weights that the floors will bear are also calculated with extreme precision, as the task of carrying the roofs is assigned to the concrete columns, which gives the building more resistance to earthquakes.

It is important to clarify that after the Turkish government obligated construction companies to build buildings that comply with earthquake protection conditions, the majority of modern buildings in Turkey have become resistant to earthquakes, and construction companies pledge to adhere to the conditions required of them to the fullest extent, and demonstrate the extent of the building’s ability to resist earthquakes and building specifications, and most buildings Designated for housing, it must be able to withstand earthquakes of up to 8 degrees, and this is what the Omran Trk Company, headquartered in the city of Yalova, in northwestern Turkey, is committed to.

All buildings and residential complexes supervised by Omran Trk in Yalova, Turkey, are considered buildings of a modern architectural style that comply with all engineering, architectural, and earthquake-resistant specifications and standards.

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