Earthquake Claims

You can submit your notice of claim to our Customer Communication Center at 0(850) 202 20 20.

You may access your policy and get information:

You can track your claim process through the Customer Communication Center at 0(850) 202 20 20.

Following the opening of the claims file, the adjuster will contact you to organize an appointment for the claims inspection.

In case of a potential risk, it is essential to set the coverage limits accurately to fully cover the damages to your home. As a result of rising construction expenses over the year, the building coverage limit could be adjusted, and the insured amount as specified in the policy may be insufficient. It is crucial to accurately establish the coverage limits in your policy to ensure complete compensation for damages to your home and to adjust the insurance values, if needed, to prevent being underinsured when damage occurs. Please feel free to contact your agency or branch to increase the sum insured.

For the Compulsory Earthquake Insurance,DASK provides coverage at a maximum amount determined every year according to the increase in construction costs, and as of November 25, 2022 it was set at TRY 640,000 for all types of building. The amount of collateral is determined by multiplying the gross surface area of the dwelling by the construction cost per unit square meter. Pursuant to the Communiqué dated 25.11.2022, if the construction cost per unit square meter has been increased and the coverage amount is not current, then you may contact your agency or branch to increase the sum insured.

Building Style² Price

A- Reinforced concrete TRY 3,016

B- Others TRY 2,080

For example, for a reinforced concrete building with an area of 100 m², the sum insured of a DASK policy is 100 x TRY 3,016 = TRY 301,600.

If you have a DASK policy, you must first submit the notice of claim under this policy to the DASK company. 

You may submit your notice of claim to DASK company:

If you have home or workplace insurance from Türkiye Sigorta:

As the liability of the DASK policy is capped at the insurance limit outlined in the policy, any damages surpassing the DASK limits will have the remaining amount after the DASK payment covered by earthquake-insured housing insurance.

If the home policy includes earthquake coverage for furniture, compensation may be obtained for damage to furniture caused by earthquakes, subject to the limits as specified in the policy.

Following the letter from the Ministry of Environment, Urbanization and Climate Change indicating that access to the dwelling is forbidden, the expert conducts on-site assessments.  Evaluations are made in line with these findings.

If the home policy includes earthquake coverage, damage assessment is conducted according to general and special conditions.

Your policy covers damages to your belongings classified as goods and designated as particularly valuable, in accordance with the general and special conditions, within the limits outlined in the policy.

The personal items of the insured, their family members residing with them, and their household employees are also covered.

Once the claim file is opened, our company will notify you of any information and documents to be requested within the framework of the applicable legislation.

If the title deed of your home is issued in the names of several individuals, the compensation for damages is given to those individuals. Payment will be made to the individuals named in the title deed in proportion to their share therein.

If your workplace insurance has earthquake contents coverage, payments for damage to your possessions in the workplace are provided within the limits and conditions outlined in the policy.

If rental income from the home or office cannot be obtained due to earthquake-related damages, the loss of rent remains uncovered and no compensation for damages is provided. 

If there is earthquake coverage in your policy, your damage is covered within the limits as specified in the policy.

In case your policy ends before the earthquake and is not renewed, the resulting damage will not be covered.

Buildings used entirely for commercial and industrial purposes are not covered by the Compulsory Earthquake Insurance.

However, if an independent part of the buildings (apartment buildings, etc.) constructed as dwellings is used for purposes such as commercial premises, shops, offices, etc., compulsory earthquake insurance is required.

Traffic Insurance covers only the damage you cause to others with your vehicle. It excludes any damage resulting from an earthquake.

If you have earthquake coverage in your comprehensive insurance, your damage is covered within the limits as specified in the policy.

If the owner of the affected vehicle has passed away because of the earthquake, legal heirs need to apply to obtain compensation from the motor insurance. Payments will be made to legal heirs.

If the policy includes coverage for earthquake-related deaths, an indemnity payment will be provided.

Payment is provided to the beneficiary, if one is named in the policy, or to the legal heirs, if no beneficiary is named, in proportion to their shares outlined in the certificate of inheritance.

If death due to earthquake is not covered by the policy, no indemnity payment will be made.

With Personal Accident Insurance, you receive compensation for permanent disability, while the legal heirs of the insured are compensated in the event of death.

To obtain details regarding the life insurance from Türkiye Hayat Emeklilik, you must reach out to the bank branch where the deceased individual held an account. If you are unable to reach the appropriate bank branch because of a disaster, you may get in touch with any nearby branch of the same bank. The death certificate of the deceased person issued by the prosecutor’s office must be submitted to the bank branch.

For inquiries about life insurance obtained through channels apart from the bank, please contact our Customer Communication Center at 0(850) 202 20 20.

If the policy defines “Loss Payee” as the bank being the primary creditor, the relevant bank will be prioritized for payment of the deceased’s loan obligations. Advances following the payment to the bank are disbursed to the beneficiary, if identified; otherwise, they are allocated to the legal heirs based on the shares outlined in the certificate of inheritance.

If the policy does not define “Loss Payee” stating that the bank is the primary creditor, the compensation will go to the beneficiary if they are named in the policy, or to the legal heirs otherwise, according to the shares outlined in the certificate of inheritance.

If the policy contains a definition of “Loss Payee” stating that the bank is the primary creditor, the loan amount owed to the specified bank is covered from the policy assurance limit.

For the purpose of this document, Loss Payee refers to a lending creditor as well as something offered as collateral. Accordingly, Loss Payee means a “secured creditor” and protects the creditor if the debt cannot be settled due to the occurrence of a risk.

Loss Payee designation is used when a vehicle, property, or goods are acquired through a loan and insurance is obtained for the acquired item. The insurance policy includes a note designating the bank that finances the acquired asset as the Loss Payee, specifically the lending bank. This allows the lending institution to secure its receivables.