Turkey is a country located on a seismic fault line and is constantly exposed to earthquakes of varying intensity. Therefore, the Turkish government has set specific building standards that comply with earthquake resistance requirements and has acquired extensive experience in earthquake-resistant buildings. Some countries have even benefited from Turkey's expertise in this field. In this article, we present the most important aspects of this insurance, arranged in the following table of contents:

Earthquake insurance or DASK: What is it and why is it required?

What is earthquake or DASK insurance and is it mandatory?

What are the controls for calculating the price of DASK or earthquake insurance?

-From where can I buy earthquake or DASK insurance for my apartment?

What documents are required to obtain DASK or earthquake insurance?

-Which properties cannot be insured against earthquakes?

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Earthquake insurance or DASK: What is it and why is it required?

Earthquake insurance for real estate is required when buying and selling real estate, opening electricity, water, and electricity service subscriptions, and applying for a real estate residency permit. This article will detail all the information required about DASK, or earthquake insurance, in Turkey.

What is earthquake or DASK insurance and is it mandatory?

It is a mandatory document for many real estate transactions, from buying and selling real estate, to obtaining a real estate residency, or subscribing to services such as water, electricity, and natural gas.

- If, God forbid, an earthquake occurs and my apartment is damaged, will the Turkish state intervene, compensate, or help in this disaster?

- Yes, there are provisions in Turkish law that guarantee the protection of citizens and foreigners residing in Turkey in the event of natural disasters, including earthquakes. This protection is provided in several ways in the event of a disaster, including direct and immediate assistance, such as providing emergency shelter for affected families. Financial and moral compensation is also provided to those affected, depending on the extent and type of damage caused. In some cases, alternative apartments within state buildings, known as TOKIs, are provided at cost and in installments over long periods of time, interest-free.

What are the controls for calculating the price of DASK or earthquake insurance?

There are several criteria that make earthquake insurance prices vary, even if the property has the same area or similar market value. We will mention them below:

The property's location from seismic lines. The closer it is, the higher its price.

The date of construction of the building. The newer the building, the lower the price, as modern buildings adhere to earthquake resistance standards.

-Total building height.

The floor the apartment is on.

-Total area of the apartment.

-The type of property: commercial, residential, warehouse, etc.

Where can I buy earthquake or DASK insurance for my apartment?

There are several places you can buy earthquake insurance from.

1- Private companies like our company, Tayf Türkiye Services, can directly request and communicate with us to obtain our special earthquake insurance.

2- Government post offices.

3- Some banks can provide it to you, but at somewhat high prices.

What does earthquake or DASK insurance cover?

Earthquake insurance covers the entire building or part of it, including the roofs, walls, foundations, external fence, stairs, elevators, and roofs, meaning it covers the entire building as a whole.

~Note: The duration of earthquake or DASK insurance is one year and is renewed annually.

What documents are required to obtain DASK or earthquake insurance?

•Identity card for Turkish citizens or residence permit and passport translated into Turkish for foreign citizens.

•Tax number for foreigners who do not have residency in Türkiye.

• The address of the apartment for which you want to purchase earthquake insurance, detailed by a water, electricity or gas bill.

•The property owner’s residential address.

•A copy of the title deed (Tabu)

•Type of property.

•Year of property construction.

•Total number of floors of the building.

•Apartment is any floor in a building.

•Net area of the apartment.

•Telephone number in Türkiye.

•Date of birth of the property owner.

What damages are not covered by DASK or earthquake insurance?

-Removing building rubble in case of collapse, God forbid.

-Furnishings and furnishings.

-Goods in stores.

- Rental damage compensation.

-Death cases.

Unemployment

-Psychological and physical harm.

-Moving expenses to a new place, house or shop.

Which properties cannot be insured against earthquakes?

1- Buildings threatened with demolition by the Turkish government.

2- Abandoned buildings.

3- Rural houses in villages and popular areas.

4- Real estate not licensed by the Turkish government.

5- Buildings that do not comply with Turkish laws in terms of earthquake resistance.

**You can contact Tayf Türkiye Services to obtain earthquake insurance for your home. Integrated services in one place only: Tayf.

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