DASK.. Earthquake insurance in Türkiye 2024

  • DASK earthquake insurance in Turkey is mandatory and aims to protect property owners from earthquake-related damages.
  • The law was implemented after the destructive 1999 Marmara earthquake. The Turkish government established DASK to handle repairs, covering all types of properties.
  • Insurance fees are paid annually and are crucial for ensuring building safety and mitigating potential earthquake damages.
  • DASK insurance is a prerequisite for property transfers and is required by private utility companies.
  • Payments are made through banks, insurance companies, or the Turkish post office (PTT).
  • The cost of DASK insurance depends on factors like property location, age, and size.
  • It covers damages to residential, commercial, and under-construction buildings.
  • Certain properties, like public service buildings and those in non-compliant or neglected conditions, are excluded.
  • Reasons for the mandatory earthquake insurance stem from Turkey’s experience with the devastating 1999 earthquake.
  • The government’s response included compulsory insurance, demolishing vulnerable buildings, and a comprehensive plan for societal transformation.

تأمين العقارات التركية

Costs of Obtaining Earthquake Insurance in Turkey:

Several factors determine the fees for obtaining earthquake insurance policies in Turkey:

  • Property Location: Fees vary based on the property’s proximity to fault lines, with higher fees in earthquake-prone areas and lower fees in safer regions.
  • Building Age: Older buildings are more susceptible to earthquake damage, leading to higher insurance fees, while newer buildings enjoy lower premiums.
  • Property Size: The property’s size influences insurance costs, along with considerations such as the number of floors and height.

Earthquake insurance fees in Turkey generally do not exceed $50 annually.


Specifications for Earthquake-Resistant Buildings:

  1. Construction of earthquake-resistant buildings involves adhering to research and studies, ensuring compatibility with the soil type.
  2. and using materials that withstand seismic forces. Emphasis is placed on the eligibility of building foundations.
  3. suitable doors and windows, and compliance with standards to enhance building safety during earthquakes.
  4. Calculations for floor loads and self-weights are precise, with responsibilities assigned to concrete columns for roof support.
  5. providing high resistance to earthquakes. Building design focuses on internal and external balance, especially in horizontal urban planning.
  6. The soil for construction must be chosen according to a soil study’s recommendations, avoiding loose or sandy soils.
  7. Solid soil minimizes building vibrations during earthquakes, contributing to the connection of building foundations to stable ground.
  8. Earthquake-resistant buildings are cohesive units, unyielding to seismic forces, thanks to strong building joints capable of absorbing seismic pressures.
  9. ultimately reducing earthquake-related damages.

تأمين الزلازل في تركيا

Materials Resistant to Earthquakes in Turkish Residential Complex Projects:

  • Turkish construction companies, both governmental and private, follow five key standards when establishing earthquake-resistant buildings:
  • Design for Support: Structures are designed to provide support by connecting roofs and walls with a rigid square that remains stable during earthquakes.
  • Construction of Towers and Skyscrapers: High-rise buildings utilize separate foundations composed of springs, cylinders, and metal balls to absorb shocks, preventing building vibrations.
  • Incorporation of Strong Building Joints: Buildings include robust building joints that help minimize risks, absorbing pressure to keep the structure intact.
  • Selection of Suitable Soil: Suitable soil is chosen for building construction, avoiding soft or sandy areas. Building foundations on solid ground reduce building vibrations during seismic events.
  • Consideration of Building Dimensions: Structures exceeding 50 meters incorporate expansion and contraction joints in upper floors, along with seismic joints to ensure building integrity in earthquake-prone regions.

In Turkey, earthquake-resistant buildings aim to absorb seismic forces, employing sturdy materials.

strategic joint designs, and appropriate foundations to enhance resilience and protect inhabitants during earthquakes.


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