Compulsory Earthquake Insurance (DASK)

DASK (Doğal Afet Sigortaları Kurumu — Turkish Catastrophe Insurance Pool) provides compulsory earthquake insurance for residential buildings under the Disaster Insurance Law No. 6305.

Material damage caused directly to the insured building by earthquake and by fire, explosion or landslide following an earthquake — including foundations, main and shared walls, ceilings and floors, stairs, corridors, roofs and chimneys — up to the sum insured. The maximum sum insured is set by DASK every year.

• The earthquake risk zone of the building
• The construction type of the building
• The gross floor area of the home

DASK is compulsory for homes registered at the land registry within municipal boundaries, and for units in those buildings that are used as offices or shops. A valid DASK policy is requested when you buy or sell property at the land registry office and when you open electricity, water or natural gas subscriptions — this applies to foreign property owners in Türkiye as well.

Tenants can take out the policy too, but the insured party and the person who receives any compensation is always the property owner.

DASK only protects the building itself. It does not cover your furniture and belongings, loss of rent or temporary accommodation after an earthquake, the part of the building value above the DASK maximum, or injury and loss of life.

You can close these gaps by adding earthquake cover to your home and contents insurance.

1. Make sure you are safe and do not enter a damaged building until the authorities allow it.
2. Report the damage through DASK’s claim channels or directly through us, with your policy number or address.
3. Take clear photos of the damage and leave the debris as it is until the loss adjuster has inspected it, if possible.
4. After the adjuster’s report, compensation is paid to the property owner.

We follow the claim on your behalf from our office in Maslak so that missing documents do not delay the payment.