What is DASK (Compulsory Earthquake Insurance)? Coverage Details

Turkey is one of the most earthquake-prone countries in the world. Its location on major fault lines increases the risk of seismic activity. As a result, the government has implemented several measures to protect people and minimize the damage caused by earthquakes. One of the most important measures is Compulsory Earthquake Insurance (DASK). This insurance helps homeowners manage the financial costs of earthquake damage. In this blog, we’ll explain what DASK is, what it covers, and how it fits into Turkey’s broader disaster preparedness efforts.

What is Compulsory Earthquake Insurance (DASK)?

Compulsory Earthquake Insurance (DASK) is a mandatory insurance policy for homeowners in Turkey. It covers damage caused by earthquakes to the structural integrity of residential buildings. The Turkish government introduced DASK in 2000 to reduce the financial burden of earthquakes on homeowners. All property owners in Turkey must have DASK for their homes, regardless of their location.

While DASK protects against structural damage, it doesn’t cover personal belongings like furniture or electronics. Homeowners need additional insurance to protect these items.

Why is DASK Important?

Turkey lies on the Eurasian and Arabian tectonic plates, making it highly susceptible to earthquakes. Large cities, like Istanbul, Izmir, and Van, are especially vulnerable. Earthquakes can cause massive damage, both to buildings and people’s lives. That’s why DASK is crucial. It ensures that homeowners have financial protection when an earthquake strikes, covering the cost of repairing or rebuilding their homes.

Without DASK, homeowners could face significant costs. However, with it, the financial strain of restoring a damaged home is greatly reduced.

What Does DASK Cover?

DASK primarily covers structural damage caused by earthquakes, including:

• Cracks in Walls: Earthquakes can cause cracks in the walls of buildings. DASK helps cover the cost of repairing this damage.
• Collapsed Ceilings or Roofs: If an earthquake leads to a ceiling or roof collapse, DASK will help with reconstruction.
• Damaged Foundations: DASK also covers damage to the foundations of the building, which is crucial for the stability of the home.
• Outdoor Structures: In some cases, DASK covers damage to exterior structures like garden walls or fences.

What Doesn’t DASK Cover?

While DASK offers significant protection, it does have limitations. It does not cover:

• Personal Property: DASK does not include coverage for personal belongings inside the house, such as electronics, clothing, or furniture. For this, homeowners need a separate contents insurance policy.
• Secondary Damages: If an earthquake leads to additional disasters, such as fires or floods, DASK doesn’t cover the resulting damage. Homeowners can add extra policies to protect against these risks.
• Business Properties: DASK is specifically for residential buildings. It does not apply to commercial properties.

Precautions and Measures for Earthquake Preparedness in Turkey

In addition to DASK, the Turkish government has introduced several measures to improve earthquake preparedness:

1. Building Codes for Earthquake Resistance: New buildings in Turkey must comply with strict earthquake-resistant standards. These codes ensure that homes can withstand seismic activity.
2. Public Awareness Campaigns: The government frequently runs campaigns to educate people about earthquake safety. These campaigns emphasize the importance of having an emergency plan and a kit ready.
3. Earthquake Drills: Schools, workplaces, and communities organize regular earthquake drills. These drills teach people how to react during an earthquake, how to stay safe, and how to help others.
4. Early Warning Systems: Turkey has invested in advanced early warning systems. These systems detect earthquakes before they reach cities, giving people time to take safety measures.
5. Seismic Research and Monitoring: Ongoing seismic research helps scientists monitor earthquake trends. This data informs disaster preparedness and infrastructure planning in high-risk areas.

Conclusion

Compulsory Earthquake Insurance (DASK) plays a critical role in minimizing the financial impact of earthquakes in Turkey. It ensures homeowners are protected against structural damage. However, it does not cover personal belongings or secondary damages from other disasters. For full protection, homeowners may need additional insurance.

Alongside DASK, the Turkish government has taken significant steps to prepare the public for earthquakes. Strict building codes, disaster awareness programs, and early warning systems all help reduce the risks. By staying informed and prepared, homeowners can better protect themselves and their property in the event of a disaster.

Make sure to check your DASK policy and consider additional coverage to fully protect your home and belongings. Stay safe and stay prepared!