DASK is a compulsory home insurance in Türkiye, where earthquake risk is high. Established within the scope of Decree Law No. 587.
Compulsory Buildings
- Residences with registered title
- Buildings within municipal borders
- Buildings with building occupancy permit or occupancy
Scope
- Earthquake damage
- Fire, explosion, tsunami as a result of earthquake
- Only building (items) not - private policy)
Coverage Limit (annually updated)
- The upper limit is updated every year
- Premium according to building area + region
- If the limit is exceeded, the remaining part is personal
Damage Process
- Notification to DASK within 15 days
- An expert is appointed
- Damage detection
- Repair/compensation is paid
Reasons for Denial of Damage
- Insurance expired
- No building registration document
- Fraud/false declaration
- Non-earthquake reason
Supreme Court 11. HD
11. HD adopts that DASK should interpret "structural damage" broadly, and that compensation should be paid not only in cases of cracks but also in cases of structural insecurity.
Insurance law lawyer is recommended.