DASK

Compulsory Earthquake Insurance covers earthquakes and material damages caused by earthquakes in your building. It also pays cash for material damages caused directly by earthquakes, tsunamis, fires, explosions and landslides within the limits specified in your policy. DASK aims to ensure that policyholders can safely continue their lives where they left off after an earthquake disaster.

Your building is covered even if it is completely or partially damaged.

The following building sections are covered together or separately:

Common walls separating independent sections

Garden walls

Corridors

Roofs

Chimneys

Foundations

Main walls

Complementary sections of the structure similar to the above

Retaining walls

Ceilings and floors

Staircases

Elevators

Plants

Situations Not Covered

Financial liabilities and all other indirect damages that may be claimed

All kinds of movable property, belongings and the like

All bodily injuries and death

Pecuniary damage claims

Debris removal costs

Loss of profit

Business interruption

Deprivation of rent

Alternative residence and workplace expenses

Damages other than earthquake and fire, explosion, tsunami or landslides resulting from earthquake

Damages that have occurred over time due to the faulty structure of the building, independent of the earthquake

For these damages, you can choose home insurances that you will have in addition to Compulsory Earthquake Insurance. You can.

Buildings Excluded from the Scope

Buildings that have been determined to have been modified or weakened in a way that will negatively affect the load-bearing system,

Buildings constructed in violation of the relevant legislation and project in a way that will negatively affect the load-bearing system,

Buildings that have been decided to be demolished by authorized public institutions and buildings that are unsuitable for residential use, neglected, dilapidated or abandoned.

Buildings built in village settlements and their vicinity and hamlets by those registered with the village population and permanent residents,

Buildings used entirely for commercial or industrial purposes,

Buildings that do not have a project and have not received engineering services,

Buildings and independent sections subject to the Public Housing Law No. 2946 dated 9/11/1983 or used as public service buildings.

You can have Optional Earthquake Insurance for buildings that are not covered by the Compulsory Earthquake Insurance.

Village settlements are generally excluded from the insurance coverage due to reasons such as low income levels, lack of municipal inspection of buildings and difficulty in providing insurance.

However, it is possible to have Optional Earthquake Insurance for buildings located in villages if desired.

Similarly, Optional Earthquake Insurance can be taken out for buildings used for commercial and industrial purposes.

Maximum Coverage Limit

DASK provides coverage at a maximum amount determined by the increase in construction costs each year. The maximum coverage amount provided by DASK is 150 thousand TL for all types of structures as of January 1, 2013.

When determining the maximum coverage amount, the cost of rebuilding the demolished residence (excluding the land value) is taken into account. The coverage amount (insurance amount) of the insured is determined according to the size and construction style of their residence - provided that it does not exceed the maximum coverage amount.

If the value of the residence exceeds the maximum coverage amount provided by DASK, the insured can optionally receive additional coverage from insurance companies for the exceeding part. For this, you must have home insurance from private insurance companies.

The amount of DASK premium is determined by 3 factors:

Earthquake risk zone where the building is located,

Building style,

Gross surface area of ​​the residence.

For detailed information, you can reach our customer service representatives by phone, or you can send us your contact information so that we can get back to you as soon as possible.