There have been changes in the Compulsory Earthquake Insurance (DASK), which all home and workplace owners should have. Updated tariffs every year were announced.
According to the changes published in the Official Gazette, the maximum coverage amount that can be given for a residence in 2021 was increased from 240 thousand lira to 268 thousand lira regardless of the building style.
However, the square meter cost based on the insurance cost in reinforced concrete structures increased from 1134 lira to 1268 lira and from 782 lira to 874 lira for other building types.
WHAT DOES DASK OFFER?
Even if the building is damaged completely or partially after the earthquake, you are under insurance coverage and you cover your losses from the insurance.
TCIP also guarantees foundations, main walls, common walls separating independent sections, garden walls, retaining walls, ceilings and floors, stairs, elevators, landings, corridors, roofs, chimneys, and similar complementary parts of the building.
48 thousand buildings will be destroyed!
WHAT CANNOT MEET
DASK, wreck removal costs, loss of profits, stoppage of work, rent deprivation, alternative residence and workplace expenses, financial responsibilities and all other indirect damages, all kinds of movable property and the like, all physical damages and deaths. , moral damages claims, earthquake and earthquake damages other than fire, explosion, tsunami or landslide do not cover the damages caused by the building’s own defective structure over time, regardless of the earthquake.
WHICH BUILDINGS ARE COVERED BY DASK?
Buildings built as residences on immovables registered to the title deeds and subject to private ownership, independent sections within the scope of the Property Ownership Law No.634, independent sections within the buildings and used for business, office and similar purposes, loans made or given by the state due to natural disasters dwellings built with, buildings with construction servitude, the type of title has not yet been amended in the title deed and its qualification “land, etc.” Buildings that appear to be, can be insured by taking the cooperative houses within the scope of the guarantee.
STRUCTURES NOT INCLUDED IN THE COVERAGE
Buildings and independent sections that are subject to the Public Housing Law No. 2946 dated 9/11/1983 or used as public service buildings, and buildings built in and around village settlements and hamlets by those who are registered with the village population and who are permanent residents of the village, all for commercial or industrial purposes buildings that are used, buildings that do not have a project and have not received engineering service, buildings that have been modified or weakened in a way that adversely affect the carrier system, buildings built in violation of the relevant legislation and the project in a way that adversely affects the carrier system, buildings that are decided to be demolished by the authorized public institutions Buildings that are not suitable for residential use, neglected, dilapidated or abandoned are not insured within the scope of TCIP. You can insure such buildings with Optional Earthquake Insurance.
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