Obtaining DASK Without a Title Deed in Turkey
In Turkey, earthquake insurance, known as DASK (Doğal Afet Sigortaları Kurumu), is a vital aspect of property ownership and protection. However, the question often arises: Can you obtain DASK for a property without a title deed? This blog explores the legal aspects surrounding the eligibility for DASK coverage in Turkey and provides valuable insights into the types of buildings covered.
DASK and Unregistered Properties:
DASK is mandatory for all residential properties in Turkey, as it provides crucial protection in the event of an earthquake. However, it is important to note that DASK cannot be obtained for unregistered or illegally constructed properties commonly referred to as “kaçak yapı.”
Eligible Properties for DASK:
To be eligible for DASK coverage, a property must fall into one of the following categories:
- Residential Properties with Title Deeds: Buildings constructed for residential purposes and registered under individual
- Commercial Units within Buildings: Independent sections within buildings used for commercial or office
- Buildings with Kat İrtifakı: Properties subject to a “kat irtifakı” agreement (joint property ownership) are also eligible for DASK. (For details on kat irtifakı, refer to our article on the topic.)
- Cooperative Housing Units with Title Deeds: Housing units owned collectively by a cooperative with title deeds
- Properties Listed as “Arsa” in the Land Registry: Properties listed in the land registry as “arsa” (land) without a specific building
Related: Title deed ownership when buying off-plan real-estate in Turkey
Excluded Properties from DASK Coverage:
Certain types of properties are not covered by DASK, as determined by the Natural Disaster Insurance Institution. These include:
- Completed Buildings: Properties for which construction has already been
- Residential Buildings without Building Permits: Residential structures built after December 27, 1999, without proper building
- Unregistered Land and Structures: Land without property registration and structures built on such
- Commercial and Industrial Buildings: Properties used solely for industrial, commercial, administrative, or educational
- Areas without Municipal Supervision: Buildings in areas where municipal oversight is
- Structurally Compromised Buildings: Buildings with weakened columns or compromised structural
- Public Buildings and Spaces: Public buildings and independent
- Buildings in Villages: Buildings constructed by residents registered in village populations.
- Uninhabitable and Abandoned Buildings: Buildings with demolition orders, in disrepair, or abandoned.
- Buildings Constructed Outside Approved Projects: Structures built without adherence to approved project plans.
The Importance of a Title Deed for DASK:
To be eligible for DASK coverage, a property must have a title deed. This requirement extends to both residential and commercial properties. Therefore, properties without a title deed cannot obtain DASK coverage.
Consequences of Not Having DASK:
Failure to obtain mandatory earthquake insurance (DASK) and renew the policy in a timely manner can have significant repercussions. Individuals without active DASK coverage cannot:
- Rent or lease their property
- Engage in property buying or selling transactions
- Establish utility connections for gas, electricity, or water
- Complete property registration processes
- Access credit facilities
- Rent out their property
Conclusion: Understanding the legal requirements for DASK coverage in Turkey is essential for property owners and buyers. Title deeds play a critical role in determining eligibility for earthquake insurance.
To protect your property and comply with legal obligations, it is crucial to ensure that your property has an active DASK policy. For further information on obtaining DASK coverage, refer to our article on the topic.
Secure your property with DASK coverage in Turkey! Discover the legal requirements and eligibility criteria with Bayraktar Attorneys. Don’t risk penalties or property transactions without earthquake insurance.
Ensure compliance and protection for your property today. Contact us for expert guidance on obtaining DASK without a title deed.
