DASK came into our lives as compulsory earthquake insurance. Although many institutions have collected money and taxes within the scope of this insurance, it is known that it is still on the agenda among the compulsory insurances for homeowners. In this type of insurance, especially offered by the Natural Catastrophe Insurance Pool in Turkey, it is guaranteed that the houses affected by fire, flood and similar disasters as a result of earthquakes are insured because they are insured.
Property owners sign a TCIP policy through any bank and this policy is renewed every year. Thus, it may be possible to postpone or compensate the damages that may occur to the property of individuals, even partially. For this, a UAVT address with the address code of the residence is required.
Is DASK Obligatory?
DASK is a mandatory application. For this reason, when the insured house is damaged due to disasters, the insured is paid for the material losses covered in cash. Within the scope of the Catastrophe Insurance Law No. 6305, foundations, main walls, independent sections, garden and retaining walls, floors and flats, stairs, landings, chimneys and roofs, corridors are separately insured.
Those who have made TCIP can benefit from the aid to be provided by the state in such possible disasters. In addition, today, the residence must have a compulsory TCIP in order to make electricity, water and natural gas connections. Without this fuse, the relevant connections will not be made.
The most important issue to be considered while making TCIP is to make a transaction with real cost. TCIP should be made according to the real value of the property subject to TCIP. Underestimating the value of the property in order to pay lower insurance costs can also have devastating financial consequences as a result of a disaster. Our country is an earthquake zone. And in any disaster, insurance institutions act according to the prices on TCIP. This means that you will receive costs that you cannot replace the lost property due to low property prices. The wrong thought is that if something happens to the building, I’m in it anyway, something will happen to me, the cost is not important.
How are DASK Payments Made?
TCIP payments made to the relevant banks are very important. Because the policies prepared annually must be up-to-date. The sale of the house cannot be realized without these policies, which must be made especially for buildings that are in the earthquake zone and have a high risk. For this reason, while compulsory earthquake insurance provides housing security, it is also seen as a guarantee for those in need.
Many evaluations are made within the scope of this insurance, which is a subject that has attracted more attention after the 1999 earthquake in our country and which should be widely preferred in terms of payments. It will be easy for you to have a TCIP policy prepared from many banks in a short time, if you bring your deed.
