Zorunlu Deprem Sigortası (DASK) Nedir ?


Dask olarak da bilinen zorunlu deprem sigortası deprem ve bunun sonucunda oluşabilecek yangın, patlama, tsunami, yer kayması gibi riskleri teminat altına alan sigortadır. Bunların sonucunda binanızın tamamen yada kısmen hasar alması dask sigortasının kapsamına girmektedir.

Dask sigortası 1 Ocak 2022 tarihinde alınmış olunan karara göre azami olarak 320.000 tl ödemektedir. Bunu aşan kısmını ise yaptıracağınız özel konut sigortasıyla teminat altına alabilirsiniz.

Özellikle dask konusunda dikkat edilmesi gereken husus herhangi bir hasar durumunda dask sigortasının size ödeyeceği bedel bulunan yerin yapım bedelidir. Yani başka bir deyişle dask sigortası arsa bedelinizi ödemez. Bu ne demek diyorsanız bir örnekle anlatalım ;

X bir daireniz var ve dairenizin 100 metrekare olduğunu düşünelim. Aynı metrekare de birde Y daireniz olduğunu düşünelim. X dairesinin denize sıfır ve konumunun da diğerine göre daha iyi olduğunu varsayalım. Buna göre X dairesinin fiyatı aslında Y dairesine göre daha değerlidir. Ancak dask tam olarak buna bakmamaktadır. Dask her iki dairenin de yapım bedeline bakıp bu dairelerin tekrar ne kadar miktara inşaa edilebileceğine bakmaktadır. 2022 yılı itibariyle azami olarak da dediğim gibi 320.000 tl tutar belirlenmiştir.

Sıkca sorulan sorulardan bir tanesi de köy yerleşim yerlerine dask yapılıp yapılmayacağıdır. Köy yerleşim yerleri genel olarak kapsam dışında bırakılmaktadır. Ancak son zamanlarda elektrik, su, tapu gibi işlemlerde köy yerleşim yeri dahi olsa dask sigortası zorunlu tutulmaktadır.

Son olarak size iki tane link bırakacağım. Bunlardan ilki ;

https://dask.gov.tr/e-services/portal/searchPolicy

Bu linke girerek dask poliçenizi sorgulayabilir, dask numaranızı öğrenebilir ve dask poliçenizi nerede ne zaman yaptırdığınızı ne zaman bittiğini görebilirsiniz.

Diğer bir link olarak da her dairenin Adres sisteminde bir kodu bulunmaktadır. Buna UAVT adres kodu diyoruz. Bu sizin dairenizin yada işyerinizin kimlik numarası gibidir. Dask kesilirken de buna dikkat edilmesi gerekir. Aşağıdaki linke girerek de UAVT adres kodunuzu bulabilirsiniz.

https://adres.nvi.gov.tr/Home

Detaylı bilgi ve sorularınız için bize ulaşabilirsiniz 


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