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Building insurance Recordkeeping Guide

Keep the exact version used DASK’s coverage page identifies structural parts such as foundations, main and common walls, floors, stairs, elevators, corridors, roofs and similar complementary parts of the building. Good records prevent reuse of expired versions and allow the chronology to be proved on resale or dispute. DASK states that the policy term is one year and must be renewed annually, and that coverage responsibility ends at the policy expiry date if renewal does not occur.

Author / reviewer: JUANA Real Estate Last reviewed: 2026-08-20
Building insurance Recordkeeping Guide

Keep the exact version used DASK’s coverage page identifies structural parts such as foundations, main and common walls, floors, stairs, elevators, corridors, roofs and similar complementary parts of the building.

Insurance is separate from structural safety

Good records prevent reuse of expired versions and allow the chronology to be proved on resale or dispute. DASK states that the policy term is one year and must be renewed annually, and that coverage responsibility ends at the policy expiry date if renewal does not occur. Match the insured/right holder, address and address code, construction type, construction year, area and policy dates through a current policy query. AFAD’s updated Türkiye Earthquake Hazard Map entered into force on 1 January 2019 and uses point-based hazard values rather than the old numbered “earthquake zone” concept.

It describes site hazard, not the structural performance of a particular building. Paper evidence does not replace physical or engineering inspection where the issue concerns condition; the document must be reconciled with what is actually observed in the unit, building and site. Property review must therefore separate insurance status from engineering assessment of the building, materials, alterations and local ground conditions. A DASK policy proves compulsory earthquake-insurance cover within its scope; it does not prove structural safety and its insured amount is not the property’s market value. Preserve the original/final version, reference number, issue date and issuer and link the document to the exact unit and period it covers.

Permit, occupancy and fire safety

Preserve the original/final version, reference number, issue date and issuer and link the document to the exact unit and period it covers. Ministry of Environment guidance makes clear that the competent municipality or administration handles permitting and occupancy according to location, and project/legal compliance is separate from finish quality. On 22 May 2026 a new periodic fire-safety control system was announced, with controls by the local fire service or authorised fire-safety experts when applicable and duties on owners and managers to arrange them. An old fire certificate is therefore insufficient after a change of use, systems replacement or major renovation.

Review escape routes, alarm and suppression systems, test and maintenance logs, open deficiencies and the evidence that each deficiency was closed. Building compliance cannot be reduced to construction age. Paper evidence does not replace physical or engineering inspection where the issue concerns condition; the document must be reconciled with what is actually observed in the unit, building and site. Check the building permit, occupancy/use permit where applicable, approved project, later alterations, actual use and maintenance history. Good records prevent reuse of expired versions and allow the chronology to be proved on resale or dispute.

Budget and management decisions

Preserve the original/final version, reference number, issue date and issuer and link the document to the exact unit and period it covers. Separate an existing debt of the unit from future management obligations and from a capital expense approved by owners but not yet collected. Apartment dues and site management cannot be audited from a single monthly figure. Read the management plan, period budget, owners’ resolutions, allocation of common expenses and advances, the unit ledger, major supplier contracts and any extraordinary collection.

Paper evidence does not replace physical or engineering inspection where the issue concerns condition; the document must be reconciled with what is actually observed in the unit, building and site. On 22 May 2026 the Ministry of Environment announced a new site-fee framework aimed at transparency and placing fee-setting authority with unit owners through the owners’ decision process; the current resolution and budget therefore matter more than a WhatsApp message or an agent’s quoted amount. On a management handover, reconcile bank balances, receivables, claims, suppliers, contracts, the resolution book and renewal dates. Good records prevent reuse of expired versions and allow the chronology to be proved on resale or dispute.

Frequently asked questions

When should Insurance is separate from structural safety be rechecked in Building insurance Recordkeeping Guide if information in Permit, occupancy and fire safety or Reserve based on asset condition changes? Cross-check this against Budget and management decisions as well.

A DASK policy proves compulsory earthquake-insurance cover within its scope; it does not prove structural safety and its insured amount is not the property’s market value. DASK states that the policy term is one year and must be renewed annually, and that coverage responsibility ends at the policy expiry date if renewal does not occur. Apartment dues and site management cannot be audited from a single monthly figure. Keep the exact version used DASK’s coverage page identifies structural parts such as foundations, main and common walls, floors, stairs, elevators, corridors, roofs and similar complementary parts of the building. Preserve the original/final version, reference number, issue date and issuer and link the document to the exact unit and period it covers.

Which conflict between Permit, occupancy and fire safety and Reserve based on asset condition would change the conclusion of Building insurance Recordkeeping Guide when Insurance is separate from structural safety is also in the file? Cross-check this against Budget and management decisions as well.

On 22 May 2026 a new periodic fire-safety control system was announced, with controls by the local fire service or authorised fire-safety experts when applicable and duties on owners and managers to arrange them. An old fire certificate is therefore insufficient after a change of use, systems replacement or major renovation. Read the management plan, period budget, owners’ resolutions, allocation of common expenses and advances, the unit ledger, major supplier contracts and any extraordinary collection. Keep the exact version used DASK’s coverage page identifies structural parts such as foundations, main and common walls, floors, stairs, elevators, corridors, roofs and similar complementary parts of the building. Good records prevent reuse of expired versions and allow the chronology to be proved on resale or dispute.

What from Reserve based on asset condition and Insurance is separate from structural safety should be retained to prove the later position of Permit, occupancy and fire safety in Building insurance Recordkeeping Guide? Cross-check this against Budget and management decisions as well.

Start with lifts, roofs, façades, waterproofing, pumps, garages, electrical/mechanical systems and fire equipment, recording age, condition, last service, remaining life and approximate replacement cost. Reconcile the plan with the management budget, cash balance, contracts and approved resolutions, and separate recurring maintenance from capital replacement and emergency repair. On 22 May 2026 the Ministry of Environment announced a new site-fee framework aimed at transparency and placing fee-setting authority with unit owners through the owners’ decision process; the current resolution and budget therefore matter more than a WhatsApp message or an agent’s quoted amount. Keep the exact version used DASK’s coverage page identifies structural parts such as foundations, main and common walls, floors, stairs, elevators, corridors, roofs and similar complementary parts of the building. Preserve the original/final version, reference number, issue date and issuer and link the document to the exact unit and period it covers.

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