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.
Ask whether the DASK policy belongs to this property now
The first buyer question is not simply “is there DASK?” Ask for the policy number, inception and expiry dates, insured address, unit information where shown, construction type and gross area used for the policy. DASK states that compulsory earthquake insurance is issued for a one-year term and must be renewed. Last year's PDF therefore does not prove that cover is in force on the purchase date.
Ask who is shown as the policyholder and who is the relevant owner/interest holder, and whether ownership has changed since issue. A tenant can in some circumstances arrange the policy for the owner, so the name of the person arranging insurance is not proof of title. The important connection is between the policy, the correct address and the legally relevant property. A DASK address that does not reconcile with title or official address data should be explained before reliance.
Understand what DASK is—and what it is not
Ask how gross area and construction type were determined because inaccurate data can affect premium and claim treatment. DASK itself emphasises accurate address, gross area and building information. If the policy says 120 m² but title/project information indicates a materially different figure, do not “correct” it by estimate; ask the insurer or authorised channel to resolve the record.
Connect the policy to utility-transfer practicalities
For certain electricity-subscription processes DASK status and address data are checked. Ask whether the policy address is consistent with the national address used for the subscription. A mismatch can surface during utility transfer even when seller and buyer have not noticed it during commercial negotiations.
If closing is close to the policy expiry, decide in advance who will renew it. Do not rely on “we will renew after title” when a transaction step or related service needs current cover. Keep the renewed policy number and proof of issue in the closing file.
Ask about prior earthquake damage or claims
If the building has experienced earthquake damage or a prior claim, request the loss-file reference, assessments, compensation records and evidence of repairs. The existence of DASK does not prove that physical damage was remedied. Insurance due diligence is separate from structural safety: a policy is not a seismic-resistance certificate and does not replace building-performance assessment.
Before closing, a satisfactory answer is a set of reconciled evidence: an in-force policy, matching address, plausible building/area data, a clear understanding of compulsory-cover limits and a renewal plan where expiry is near. If the policy cannot be verified or the address conflicts, obtain correction rather than recording a superficial “DASK exists” result.