After 2012, the Turkish government began planning for a new urban transformation that would include all of Turkey and the city of Istanbul in particular, and from here the idea emerged. Earthquake insurance in Turkey
Turkey real estate is safe against earthquakes
After 2012, the Turkish government began planning a new civil transformation that includes all of Turkey and the city of Istanbul in particular, as the Turkish state undertakes to demolish all seismically unsafe buildings and rebuild them according to modern conditions, while obligating construction companies in the private sector to fulfill seismic security conditions with exercise control over it. The Turkish government has undertaken a comprehensive study of all buildings in Turkey in terms of their ability to resist earthquakes. The Turkish government has organized all these requirements, provided them with legal frameworks, and issued detailed executive regulations for each state separately.
The government’s applications in this field were manifested in the issue of earthquake insurance (DASK), which has become mandatory in recent years, as today you cannot carry out any transaction or conclude any contract related to any construction unit (sale - rent …) at the level of Turkey if the earthquake insurance policy in Turkey is not one. papers for this transaction.
What is earthquake insurance in Turkey?
Earthquake insurance in Turkey or dask As it is known in the Turkish language, which is what insurance is for natural disasters resulting from earthquakes, such as fires that break out due to an earthquake and others; This type of insurance began to work after 2007, as this insurance is handled by private companies approved by the government, where this insurance is in exchange for specific amounts of money, which are paid to these companies annually, taking into account the criteria for the age of the building and the area of the apartment when determining Those amounts, and when an earthquake occurs, an amount of 200,000 Turkish liras is paid to the person affected by the earthquake, and the amount may be higher in the event that the insured building is completely destroyed, and it is possible that the amount compensated for exceeds 200,000 liras, provided that this is mentioned in the insurance contract.
What is the purpose of earthquake insurance in Turkey?
Earthquake insurance in Turkey contributes to:
Making all residences in Turkey insured against earthquakes.
Participate in bearing the material damages that a citizen may incur in the event of damages as a result of an earthquake.
Reducing the burdens that the state will bear as a result of an earthquake and establishing a permanent fund for emergencies.
Contribute to making buildings in Turkey anti-seismic.
Increasing general social awareness regarding the issue of insurance and its importance.
What parts of the building are covered by earthquake insurance in Turkey?
Earthquake insurance in Turkey includes building foundations, main walls, dividing walls, garden walls, retaining walls, ceilings and floors, stairs and automatic elevators, skylights, corridors, roofs, chimneys and complementary parts at the top of the building.
What is not covered by earthquake insurance in Turkey?
debris removal costs.
losses in profits.
Unemployment.
rent.
Home/alternate workplace expenses.
The financial responsibilities that the homeowner may bear as a result of the damage.
All kinds of goods, furniture .
Physical damage and deaths.
Moral damages.
Damage caused by fire, tsunami or landslide caused by an earthquake.
The damage caused by the earthquake in the building and is caused by a malfunction or deficiency in the building.
ما هي الأبنية المشمولة ضمن تأمين الزلازل في تركيا داســـك ؟
They are the buildings that fall within the scope of earthquake insurance in Turkey according to Law 6035 for insurance against natural disasters. In short, they are the residential buildings registered in the land registry and the workplaces and offices they contain, the independent real estate parts subject to the Floor Ownership Law No. 634, the residential buildings that the state constructs or grants as a result of natural disasters, the buildings of the category of floor easements, and the buildings that have not yet taken the description of building, which Its type was not specified in the Tapu Department, but it fulfills the requirements of the two aforementioned laws.
Buildings that are not covered by earthquake insurance in Turkey
Earthquake insurance in Turkey does not include any of the following cases
Independent buildings and sections that are subject to Public Housing Law No. 2946 dated 9/11/1983 or used as public service buildings.
The buildings built in the villages and their surroundings and the hamlets built by the villagers
All commercial or industrial buildings.
Buildings that do not have a project and have not received engineering services.
Buildings that have been modified or weakened to negatively affect the general building system or the reconstruction plan.
Buildings constructed in contravention of legislation.
Buildings that have been decided to be demolished by the relevant public institutions, and neglected, dilapidated or abandoned buildings that are not suitable for residential use.
Will the Turkish government compensate the “Turks and foreigners” affected by the earthquakes?
When an earthquake occurs, the Turkish government agencies take the initiative to take several measures to provide relief and compensation to those affected by the earthquakes, whether they are Turkish citizens or residents of various nationalities on Turkish territory, and these measures are as follows:
Urgent housing is provided by prefabricated houses, or tents for a temporary period.
The damaged buildings are then examined, classified, and the high-risk buildings evacuated.
The state then pays rent for a suitable apartment to the affected families.
After that, housing is built quickly for those affected. For example, the Turkish state construction company (TOKI) built housing for the homeowners affected by the Elazig earthquake that occurred on January 24, 2020, and provided these homes for half their value.
Do construction companies provide guarantees to foreign investors in cases of earthquakes?
Construction companies are legally required to construct earthquake-resistant buildings in Turkey, and therefore they are obligatory towards the investor in the event that they fail in their legal obligations. Most residential buildings are built to resist earthquakes of magnitude 8 on the Richter scale, while huge buildings and vital projects such as airports, bridges, and metro stations are built to resist earthquakes of magnitude 9 on the Richter scale.
Specifications of buildings resistant to earthquakes
In the following, we mention some of the most important specifications of earthquake-resistant buildings
The fact that the building is designed in a way that preserves its balance from the inside and outside, as this is often based on the horizontal planning of urbanization in order to achieve this goal.
That the building soil be chosen based on the geotechnic soil study report, which indicates the extent of its eligibility for construction or not, and suggests finding solutions to the problems of building on the soil; In this regard, and for an earthquake-resistant building, the soil type should be solid, and fragile and sandy soils are excluded, as the strength of the earth contributes clearly to reducing the building shake at the time of the earthquake.
What distinguishes earthquake-resistant buildings: is the possibility of considering them as a cohesive unit that does not disintegrate in an earthquake, and this is due to the strength of the building joints and their ability to absorb seismic pressure, which ultimately leads to mitigating seismic shock damage.
In conclusion, we advise you, at Salim Premium Real Estate Company, to own property within the newly constructed buildings that take into account the aforementioned criteria to avoid any possible damage.