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Which homes are covered by DASK?

DASK, or mandatory earthquake insurance, generally applies to residential properties that are registered in the land registry and under private ownership. In practice, apartments with condominium ownership, independent units inside apartment buildings and homes that meet certain conditions are assessed within this scope. Since policy checks can be carried out during subscription, sale and loan procedures, keeping the insurance up to date is important.

That said, not every building is treated the same way. The building’s intended use, permit status, construction type and how it is classified in the title deed can determine whether mandatory earthquake insurance is required. For that reason, homeowners should check the legal status of the property and the current policy conditions.

What factors stand out when determining whether it is mandatory?

  • Whether the property is used as a residence
  • The title deed registration and independent unit status
  • The building’s permit and project status
  • Whether a valid policy is required in official transactions

When are damage payments made?

When it comes to damage payments, the main criterion is whether the loss is direct physical damage caused by an earthquake. In general, the insurance is designed to cover damage caused to the building’s main structure by an earthquake. Some related effects that arise after an earthquake may also be assessed within the policy coverage; however, for that to happen, the damage must be directly linked to the event and confirmed through an expert inspection.

In the payment process, it is not only the existence of damage that matters, but also whether the policy is active, whether the address and building details have been declared correctly, and whether the findings of the inspection are deemed acceptable. For this reason, submitting documents in full and reporting the damage on time are extremely important at the application stage.

Commonly cited items within policy coverage

  • Earthquake-related damage to the load-bearing system, walls, stairs and shared structural elements
  • Some structural damage caused by fire, explosion or displacement directly triggered by the earthquake
  • Material losses occurring in the insured parts of the building

Which losses may fall outside coverage?

Policy coverage does not include every type of loss. Household contents, rental loss, temporary accommodation costs, business interruption, non-pecuniary loss or bodily injury are usually covered by different insurance products. In addition, wear and tear, lack of maintenance or damage that cannot be directly linked to the earthquake may be assessed differently.

Another important issue is the coverage limits. DASK is not a system that provides unlimited protection for an entire building; it is a mandatory insurance model that operates within specific rules. For that reason, homeowners should review the latest general conditions, consider expanding coverage with additional home insurance if necessary, and act in line with official statements.

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