{"id":800,"date":"2025-08-11T13:29:08","date_gmt":"2025-08-11T10:29:08","guid":{"rendered":"https:\/\/tureliceylan.com\/en\/?p=800"},"modified":"2025-08-11T13:29:40","modified_gmt":"2025-08-11T10:29:40","slug":"dask-claim-after-earthquake-legal-procedure","status":"publish","type":"post","link":"https:\/\/tureliceylan.com\/en\/dask-claim-after-earthquake-legal-procedure\/","title":{"rendered":"Legal Procedure for Filing a DASK Claim After an Earthquake"},"content":{"rendered":"\n<p>The Compulsory Earthquake Insurance (DASK) is regulated under&nbsp;<strong>Law No. 6305 on Catastrophe Insurance<\/strong>&nbsp;and covers material damages to buildings caused by earthquakes and subsequent events such as fire, explosion, tsunami, and landslides.<br>Filing a DASK claim after an earthquake is the first and most crucial step for policyholders seeking&nbsp;<strong>compensation<\/strong>.<br>This article outlines the&nbsp;<strong>DASK compensation process<\/strong>&nbsp;step-by-step, explaining the legal points to consider during the application and ways to prevent loss of rights.<\/p>\n\n\n\n<p><strong>1. Legal Basis<\/strong><\/p>\n\n\n\n<p>The DASK system operates within the framework of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Law No. 6305 on Catastrophe Insurance<\/strong><\/li>\n\n\n\n<li><strong>Turkish Code of Obligations (TCO)<\/strong>\u00a0\u2013 Articles 140 et seq. (insurance contracts)<\/li>\n\n\n\n<li><strong>Regulations of the Insurance and Private Pension Regulation and Supervision Agency (SEDDK)<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>2. Scope of DASK Coverage<\/strong><\/p>\n\n\n\n<p>A DASK policy provides&nbsp;<strong>building-based<\/strong>&nbsp;coverage only. Main covered events include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Direct material damages caused by an earthquake<\/li>\n\n\n\n<li>Fire, explosion, tsunami, and landslide resulting from an earthquake<\/li>\n\n\n\n<li>The coverage amount is limited by the per-square-meter value and the maximum sum insured stated in the policy.<\/li>\n<\/ul>\n\n\n\n<p><strong>Exclusions from Coverage:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Damage to household goods<\/li>\n\n\n\n<li>Moral damages<\/li>\n\n\n\n<li>Loss in the value of land or plot<\/li>\n<\/ul>\n\n\n\n<p><strong>3. Steps for Filing a DASK Claim After an Earthquake<\/strong><\/p>\n\n\n\n<p><strong>a) Damage Assessment and Notification<\/strong><\/p>\n\n\n\n<p>After the earthquake, the policyholder must notify DASK of the damage&nbsp;<strong>within 15 days<\/strong>.<br>Notification methods:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DASK call center<\/li>\n\n\n\n<li>Through e-Government (e-Devlet) portal<\/li>\n\n\n\n<li>Via the insurance company<\/li>\n<\/ul>\n\n\n\n<p><strong>Required information:<\/strong>&nbsp;Policy number, building address, description of damage.<\/p>\n\n\n\n<p><strong>b) Appointment of an Adjuster and Inspection<\/strong><\/p>\n\n\n\n<p>According to Article 13 of Law No. 6305, DASK must appoint an&nbsp;<strong>adjuster within 3 business days<\/strong>&nbsp;of receiving the claim notification.<br>The adjuster will inspect the damage on-site and prepare a report.<\/p>\n\n\n\n<p><strong>c) Calculation of Compensation<\/strong><\/p>\n\n\n\n<p>The compensation amount is determined by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The per-square-meter unit value in the policy<\/li>\n\n\n\n<li>The size of the independent unit<\/li>\n\n\n\n<li>The rate of damage<br>The\u00a0<strong>DASK Regulation<\/strong>\u00a0governs the calculation methodology.<\/li>\n<\/ul>\n\n\n\n<p><strong>d) Payment Process<\/strong><\/p>\n\n\n\n<p>Under Article 15 of Law No. 6305, DASK must pay the compensation to the beneficiary&nbsp;<strong>within 1 month<\/strong>&nbsp;after the completion of the adjuster\u2019s report.<\/p>\n\n\n\n<p><strong>4. Legal Objection and Litigation Process<\/strong><\/p>\n\n\n\n<p>If the policyholder believes the compensation paid by DASK is insufficient, they may:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Object to the adjuster\u2019s report<\/strong><\/li>\n\n\n\n<li>Request an independent expert review<\/li>\n\n\n\n<li>Apply to the\u00a0<strong>Insurance Arbitration Commission<\/strong>\u00a0(Article 30 of the Insurance Law No. 5684)<\/li>\n\n\n\n<li>File a lawsuit in general courts<\/li>\n<\/ol>\n\n\n\n<p><strong>Statute of Limitations:<\/strong>&nbsp;Under TCO Article 142, claims for insurance compensation are subject to a 2-year limitation period.<\/p>\n\n\n\n<p><strong>5. Tips to Avoid Loss of Rights<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do not carry out repairs before the damage assessment; preserve evidence.<\/li>\n\n\n\n<li>Be present during the adjuster\u2019s inspection.<\/li>\n\n\n\n<li>Keep all correspondence and documents.<\/li>\n\n\n\n<li>Verify the square meter figures used in the compensation calculation.<\/li>\n\n\n\n<li>Seek legal assistance from a lawyer specialized in insurance law.<\/li>\n<\/ul>\n\n\n\n<p>Filing a DASK claim after an earthquake must be handled meticulously to ensure&nbsp;<strong>full and timely compensation<\/strong>.<br>Knowing the application deadlines and objection procedures is critical to&nbsp;<strong>preventing loss of rights<\/strong>.<br>Obtaining professional legal support during the DASK compensation process can help the case proceed quickly and end in your favor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Compulsory Earthquake Insurance (DASK) is regulated under&nbsp;Law No. 6305 on Catastrophe Insurance&nbsp;and covers material damages to buildings caused by earthquakes and subsequent events such as<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":801,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[158,160,156,168,164,165,167,161,159,170,157,166,163,162,169],"class_list":["post-800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","tag-compulsory-earthquake-insurance","tag-dask-adjuster-report","tag-dask-claim-process","tag-dask-coverage-scope","tag-dask-damage-notification","tag-dask-legal-procedure","tag-dask-litigation-process","tag-dask-objection-process","tag-dask-payment-period","tag-dask-statute-of-limitations","tag-earthquake-insurance-claim","tag-insurance-arbitration-commission-application","tag-law-no-6305-on-catastrophe-insurance","tag-post-earthquake-compensation-claim","tag-post-earthquake-legal-remedies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Legal Procedure for Filing a DASK Claim After an Earthquake - T\u00fcreli &amp; 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