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Real estate guide

DASK Compulsory Earthquake Insurance Guide

Understand what a DASK compulsory earthquake policy covers in Türkiye and why insurance does not replace a structural safety inspection.

22 knowledge topics

DASK Compulsory Earthquake Insurance Guide

Read a DASK policy without mistaking it for a safety certificate

Identify the insured building, policy period, covered events, limits and exclusions from the policy document. Verify whether the unit and declared information match the current property record, and clarify which risks require separate cover. Insurance may address certain financial losses but does not establish that a building is structurally safe. Keep the insurance verification, technical inspection and emergency preparation as separate decisions, each with its own documents and responsible reviewer.

Practical verification checklist

DASK checklist: Verify the property address and identifying details, insured area, policy validity and beneficiary information against official records. Understand that compulsory earthquake insurance has defined coverage and limits and may not replace broader building, contents or loss-of-rent insurance. Confirm current terms and claim procedures directly with the insurer or DASK.

JUANA Real Estate Editorial Team

Last reviewed: 2026-08-21

Content is reviewed against official and primary sources and updated when rules or information change.

Official review sources

Topics in this guide

DASK Compulsory Earthquake Insurance Guide

DASK Compulsory Earthquake Insurance Guide

A comprehensive guide to DASK compulsory earthquake insurance: covered buildings and damage, exclusions, 2% deductible, policy data, renewal and the limits of insurance as a safety indicator.

DASK, Energy Performance (EKB), Building Insurance and Fire-Safety Due Diligence

DASK, Energy Performance (EKB), Building Insurance and Fire-Safety Due Diligence

A verification guide for DASK in Turkish property purchases: confirm the compulsory earthquake policy is active, reconcile address, area and construction data, understand coverage and exclusions, recheck it for title, utilities and financing, and never treat the policy as a structural-safety certificate.

DASK earthquake insurance Workflow Guide

DASK earthquake insurance Workflow Guide

DASK earthquake insurance Workflow Guide Workflow: confirm unit/address → query the policy on DASK → match insured/owner data, address code, gross area, construction type and building details → check start/end dates → correct any material mismatch before relying on the policy. Under DASK’s currently published tariff, from 1 August 2026 the maximum insured amount is TRY 2,451,062; the unit construction values are TRY 11,562 for reinforced-concrete buildings and TRY 7,708 for other construction types.

DASK Compulsory Earthquake Insurance Risk Review

DASK Compulsory Earthquake Insurance Risk Review

Risk review focused on valid DASK cover for the correct property on the transaction date, address and policy-data matching, coverage limits, title/utility control and separation from broader voluntary insurance.

DASK earthquake insurance Decision Framework

DASK earthquake insurance Decision Framework

A decision framework separates “factually correct” from “fit for purpose.” After verification, measure the topic’s effect on price, usability, financing, risk and exit cost. The final note should explain why the outcome is accept, accept with conditions or walk away. In “DASK earthquake insurance Decision Framework”, apply this evidence through the decision framework and reconcile dask/insurance/decision/framework to the controlling record for the same property before accepting the conclusion.

Buyer Questions for DASK earthquake insurance

Buyer Questions for DASK earthquake insurance

DASK compulsory earthquake insurance: DASK lists building address, title information, construction year/type, storey count, damage status, dwelling gross area and use among policy inputs; the insured amount follows tariff rules and a maximum limit, so it is not the same as the property’s market value. Official source: DASK Required Information Under DASK’s currently published tariff, from 1 August 2026 the maximum insured amount is TRY 2,451,062; the unit construction values are TRY 11,562 for reinforced-concrete buildings and TRY 7,708 for other construction types.

Closing-Day Check for DASK earthquake insurance

Closing-Day Check for DASK earthquake insurance

keys, handover and condition record DASK — Tariff and Premiums — 15 August 2026 DASK — Coverage and Scope — 15 August 2026 DASK — Compulsory Earthquake Insurance Terms — 15 August 2026 Near closing, query again if expiry is close or property data changed. Record the final policy number and verification date, and do not rely on an emailed copy if the official query shows a different status. Under DASK’s currently published tariff, from 1 August 2026 the maximum insured amount is TRY 2,451,062; the unit construction values are TRY 11,562 for reinforced-concrete buildings and TRY 7,708 for other construction types.

DASK earthquake insurance Recordkeeping Guide

DASK earthquake insurance Recordkeeping Guide

The conclusion for “DASK earthquake insurance Recordkeeping Guide” should end in one of three states: verified/actionable, actionable subject to written dated conditions, or stop until the conflict is resolved. DASK — Tariff and Premiums — 15 August 2026 DASK — Coverage and Scope — 15 August 2026 DASK — Compulsory Earthquake Insurance Terms — 15 August 2026 Preserve the policy, query result, address code, area/building data, inception/expiry and issuance/renewal receipt.

DASK earthquake insurance Red Flags Guide

DASK earthquake insurance Red Flags Guide

refusal to provide document reference material promise absent from contract The conclusion for “DASK earthquake insurance Red Flags Guide” should end in one of three states: verified/actionable, actionable subject to written dated conditions, or stop until the conflict is resolved. DASK — Tariff and Premiums — 15 August 2026 DASK — Coverage and Scope — 15 August 2026 DASK — Compulsory Earthquake Insurance Terms — 15 August 2026 Under DASK’s currently published tariff, from 1 August 2026 the maximum insured amount is TRY 2,451,062; the unit construction values are TRY 11,562 for reinforced-concrete buildings and TRY 7,708 for other construction types.

Warranties and Guarantees Risk Review

Warranties and Guarantees Risk Review

A risk review of warranties, guarantees and engineering maintenance documents is intended to identify weaknesses that may be hidden by apparently complete paperwork. The review considers whether the records are current, authentic, internally consistent and aligned with the actual property or service. It also asks whether missing or inaccurate information could create legal, financial, safety or operating costs for the buyer.

Warranties and Guarantees Decision Framework

Warranties and Guarantees Decision Framework

The decision framework for warranties, guarantees and engineering maintenance documents converts document review into a controlled transaction decision. It is designed to prevent a buyer from proceeding merely because a document exists; the document must also be current, relevant, consistent and sufficiently verified.

Payment Release Gate — DASK earthquake insurance

Payment Release Gate — DASK earthquake insurance

A DASK-linked payment-release gate that prevents a conditioned payment from moving until a covered property has a correct, valid policy matched to the unit on the transaction date.

Warranties and Guarantees Closing Day Check

Warranties and Guarantees Closing Day Check

The closing-day check for warranties, guarantees and engineering maintenance documents is the final confirmation that the transaction is relying on the latest and correct records. It should verify that no material change has occurred between earlier due diligence and the transfer or final payment.

Warranties and Guarantees Red Flags

Warranties and Guarantees Red Flags

Red flags in warranties, guarantees and engineering maintenance documents are warning signs that the file may be incomplete, inaccurate, outdated or inconsistent with the actual property or transaction. A red flag does not automatically prove a defect, but it requires documented follow-up before the buyer relies on the record.

Independent Evidence Replication — DASK earthquake insurance

Independent Evidence Replication — DASK earthquake insurance

Independent re-verification of a DASK policy through official data, matching policy number, address, floor area, construction type and validity to the actual dwelling.

Pre-Commitment Freeze — DASK earthquake insurance

Pre-Commitment Freeze — DASK earthquake insurance

A dated pre-commitment snapshot of the DASK policy, inquiry, dwelling data and tariff context, preserving later renewals or corrections as separate changes.

DASK Insurance Document Version Reconciliation

DASK Insurance Document Version Reconciliation

This record reconciles different DASK document versions so that an expired policy or superseded property data are not used. Compare policy number, coverage period, insured party, property and coverage data across versions, and identify the current verifiable policy. If renewed or corrected, keep the prior version in the history but do not treat it as current.

Insurance Records and Coverage Recordkeeping

Insurance Records and Coverage Recordkeeping

A structured archive for insurance records and property coverage allows the owner or reviewer to reconstruct what was checked, which document version was relied upon and how exceptions were resolved. Good recordkeeping supports later management, audit and resale.

Resale and Exit Review — DASK earthquake insurance

Resale and Exit Review — DASK earthquake insurance

Prepares the DASK record for resale by making the current policy, renewals and corrections understandable to the next buyer without treating the insured amount as a property valuation.

Insurance Records and Coverage Red Flags

Insurance Records and Coverage Red Flags

Red flags in insurance records and property coverage are warning signs that the file may be incomplete, inaccurate, outdated or inconsistent with the actual property or transaction. A red flag does not automatically prove a defect, but it requires documented follow-up before the buyer relies on the record.

Closing-Day Recheck — DASK earthquake insurance

Closing-Day Recheck — DASK earthquake insurance

A closing-day DASK review confirming that the policy relied on at transfer is still valid and property-specific, with any renewal or late correction reconciled before reliance.

Source Freshness Review — DASK earthquake insurance

Source Freshness Review — DASK earthquake insurance

A decision-focused guide to Source Freshness Review — DASK earthquake insurance: confirm that the relied-on rule, registry extract, certificate or other evidence is current enough for the decision date, preserve the controlling evidence, recheck material changes.

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