{"id":92,"date":"2026-01-01T15:28:14","date_gmt":"2026-01-01T12:28:14","guid":{"rendered":"https:\/\/nugaysigorta.com\/?page_id=92"},"modified":"2026-01-01T16:42:51","modified_gmt":"2026-01-01T13:42:51","slug":"dask-deprem-sigortasi","status":"publish","type":"page","link":"https:\/\/nugaysigorta.com\/?page_id=92","title":{"rendered":"DASK (Deprem Sigortas\u0131)"},"content":{"rendered":"\n<figure class=\"wp-block-image alignleft size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"268\" src=\"https:\/\/nugaysigorta.com\/wp-content\/uploads\/2026\/01\/dask.png\" alt=\"\" class=\"wp-image-112\" style=\"aspect-ratio:1.1194462632120474;width:139px;height:auto\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Zorunlu Deprem Sigortas\u0131 Teminat Kapsam\u0131<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">DASK, Zorunlu Deprem Sigortas\u0131 ile depremin ve deprem sonucu meydana gelen yang\u0131n, infilak, tsunami ve yer kaymas\u0131n\u0131n do\u011frudan neden olaca\u011f\u0131 maddi zararlar\u0131, poli\u00e7enizde belirtilmi\u015f limitler dahilinde nakit olarak kar\u015f\u0131lar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Binan\u0131z tamamen ya da k\u0131smi olarak zarar g\u00f6rm\u00fc\u015f olsa da teminat alt\u0131ndad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131da belirtilen bina b\u00f6l\u00fcmleri, bir arada ya da ayr\u0131 ayr\u0131 teminat kapsam\u0131ndad\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Temeller<\/li>\n\n\n\n<li>Ana duvarlar<\/li>\n\n\n\n<li>Ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmleri ay\u0131ran ortak duvarlar<\/li>\n\n\n\n<li>Bah\u00e7e duvarlar\u0131<\/li>\n\n\n\n<li>\u0130stinat duvarlar\u0131<\/li>\n\n\n\n<li>Tavan ve tabanlar<\/li>\n\n\n\n<li>Merdivenler<\/li>\n\n\n\n<li>Asans\u00f6rler<\/li>\n\n\n\n<li>Sahanl\u0131klar<\/li>\n\n\n\n<li>Koridorlar<\/li>\n\n\n\n<li>\u00c7at\u0131lar<\/li>\n\n\n\n<li>Bacalar<\/li>\n\n\n\n<li>Yap\u0131n\u0131n yukar\u0131dakilerle benzer nitelikteki tamamlay\u0131c\u0131 b\u00f6l\u00fcmleri<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Teminat Kapsam\u0131 D\u0131\u015f\u0131ndaki Durumlar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zorunlu Deprem Sigortas\u0131, binan\u0131zdaki deprem ve depremden kaynaklanan maddi hasarlar\u0131 kar\u015f\u0131lar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki durumlarda olu\u015fan zararlar\u0131n\u0131z teminat kapsam\u0131 d\u0131\u015f\u0131ndad\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enkaz kald\u0131rma masraflar\u0131<\/li>\n\n\n\n<li>Kar kayb\u0131<\/li>\n\n\n\n<li>\u0130\u015f durmas\u0131<\/li>\n\n\n\n<li>Kira mahrumiyeti<\/li>\n\n\n\n<li>Alternatif ikametgah ve i\u015fyeri masraflar\u0131<\/li>\n\n\n\n<li>Mali sorumluluklar ve benzeri ba\u015fkaca ileri s\u00fcr\u00fclebilecek di\u011fer b\u00fct\u00fcn dolayl\u0131 zararlar<\/li>\n\n\n\n<li>Her t\u00fcrl\u00fc ta\u015f\u0131n\u0131r mal, e\u015fya ve benzerleri<\/li>\n\n\n\n<li>T\u00fcm bedeni zararlar ve vefat<\/li>\n\n\n\n<li>Manevi tazminat talepleri<\/li>\n\n\n\n<li>Deprem ve deprem sonucu olu\u015fan yang\u0131n, infilak, tsunami veya yer kaymas\u0131n\u0131n d\u0131\u015f\u0131nda kalan hasarlar<\/li>\n\n\n\n<li>Depremden ba\u011f\u0131ms\u0131z olarak, binan\u0131n kendi kusurlu yap\u0131s\u0131 nedeniyle zamanla olu\u015fmu\u015f zararlar<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu \u00f6zelliklerdeki hasarlar i\u00e7in, Zorunlu Deprem Sigortas\u0131\u2019na ek olarak yapt\u0131raca\u011f\u0131n\u0131z farkl\u0131 konut sigortalar\u0131n\u0131 tercih edebilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Azami Teminat Limiti<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">DASK, Zorunlu Deprem Sigortas\u0131 ile olas\u0131 bir deprem felaketinden sonra, sigorta sahiplerinin hayatlar\u0131na kald\u0131\u011f\u0131 yerden yeniden g\u00fcvenle devam edebilmelerini ama\u00e7lar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cDeprem ge\u00e7ecek, hayat devam edecek\u2026\u201d diyen DASK her y\u0131l in\u015faat maliyetlerindeki art\u0131\u015fa g\u00f6re belirledi\u011fi azami bir tutarda teminat sa\u011flar. DASK taraf\u0131ndan verilen azami teminat tutar\u0131, 1 Ocak 2013 tarihinden itibaren b\u00fct\u00fcn yap\u0131 tiplerinde 150 Bin TL\u2019dir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Azami teminat tutar\u0131 tespit edilirken, y\u0131k\u0131lan meskenin yeniden in\u015fa edilmesinin maliyeti (arsa de\u011feri hari\u00e7) dikkate al\u0131n\u0131r. Sigortal\u0131n\u0131n teminat tutar\u0131 (sigorta bedeli) -azami teminat tutar\u0131n\u0131 ge\u00e7memesi ko\u015fuluyla- meskenlerinin b\u00fcy\u00fckl\u00fc\u011f\u00fcne ve yap\u0131 tarz\u0131na g\u00f6re belirlenir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fer meskenin de\u011feri DASK taraf\u0131ndan verilen azami teminat tutar\u0131n\u0131 a\u015f\u0131yorsa, sigortal\u0131 iste\u011fe ba\u011fl\u0131 olarak, a\u015fan k\u0131s\u0131m i\u00e7in sigorta \u015firketlerinden ek teminat alabilir. Bunun i\u00e7in \u00f6zel sigorta \u015firketlerinden konut sigortan\u0131z\u0131n olmas\u0131 gereklidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kapsamdaki Binalar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zorunlu Deprem Sigortas\u0131 genel anlam\u0131yla, belediye s\u0131n\u0131rlar\u0131 i\u00e7inde kalan meskenlere y\u00f6nelik olarak geli\u015ftirilmi\u015f bir sigorta sistemidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6305 say\u0131l\u0131 Afet Sigortalar\u0131 Kanunu gere\u011fince, a\u015fa\u011f\u0131da tan\u0131mlanm\u0131\u015f binalar g\u00fcvence alt\u0131na al\u0131n\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tapuya kay\u0131tl\u0131 ve \u00f6zel m\u00fclkiyete tabi ta\u015f\u0131nmazlar \u00fczerinde mesken olarak in\u015fa edilmi\u015f binalar,<\/li>\n\n\n\n<li>634 say\u0131l\u0131 Kat M\u00fclkiyeti Kanunu kapsam\u0131ndaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmler,<\/li>\n\n\n\n<li>Bu binalar\u0131n i\u00e7inde yer alan ve ticarethane, b\u00fcro ve benzeri ama\u00e7larla kullan\u0131lan ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmler,<\/li>\n\n\n\n<li>Do\u011fal afetler nedeniyle devlet taraf\u0131ndan yapt\u0131r\u0131lan veya verilen kredi ile yap\u0131lan meskenler.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Zorunlu Deprem Sigortas\u0131 ayr\u0131ca yukar\u0131daki ko\u015fullara uyan;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kat irtifak\u0131 tesis edilmi\u015f binalar,<\/li>\n\n\n\n<li>Tapuda hen\u00fcz cins tashihi yap\u0131lmam\u0131\u015f ve tapu k\u00fct\u00fc\u011f\u00fcnde vasf\u0131 &#8220;arsa vs.&#8221; olarak g\u00f6r\u00fcnen binalar,<\/li>\n\n\n\n<li>Tapu tahsisi hen\u00fcz yap\u0131lmam\u0131\u015f kooperatif evleri,<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">i\u00e7in de ge\u00e7erlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hen\u00fcz ba\u011f\u0131ms\u0131z tapusu olmayan ve 2000 y\u0131l\u0131ndan \u00f6nce in\u015fa edilmi\u015f meskenlerin sigortalar\u0131n\u0131n, sigorta ettirenin beyan\u0131na dayan\u0131larak ve arsa tapusuna ait bilgilerle yap\u0131labildi\u011fini hat\u0131rlatmak isteriz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kapsam D\u0131\u015f\u0131nda Kalan Binalar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zorunlu Deprem Sigortas\u0131 kapsam\u0131 d\u0131\u015f\u0131nda kalan bina t\u00fcrleri a\u015fa\u011f\u0131daki gibidir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>9\/11\/1983 tarihli ve 2946 say\u0131l\u0131 Kamu Konutlar\u0131 Kanununa t\u00e2bi olan veya kamu hizmet binas\u0131 olarak kullan\u0131lan binalar ve ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmler,<\/li>\n\n\n\n<li>K\u00f6y n\u00fcfusuna kay\u0131tl\u0131 ve k\u00f6yde s\u00fcrekli oturanlarca k\u00f6y yerle\u015fik alanlar\u0131 ve civar\u0131nda ve mezralarda yap\u0131lan binalar,<\/li>\n\n\n\n<li>Tamam\u0131 ticari veya s\u0131nai ama\u00e7la kullan\u0131lan binalar,<\/li>\n\n\n\n<li>Projesi bulunmayan ve m\u00fchendislik hizmeti g\u00f6rmemi\u015f binalar,<\/li>\n\n\n\n<li>Ta\u015f\u0131y\u0131c\u0131 sistemi olumsuz y\u00f6nde etkileyecek \u015fekilde tadil edildi\u011fi veya zay\u0131flat\u0131ld\u0131\u011f\u0131 tespit edilen binalar,<\/li>\n\n\n\n<li>Ta\u015f\u0131y\u0131c\u0131 sistemi olumsuz y\u00f6nde etkileyecek \u015fekilde ilgili mevzuata ve projeye ayk\u0131r\u0131 olarak in\u015fa edilen binalar,<\/li>\n\n\n\n<li>Yetkili kamu kurumlar\u0131 taraf\u0131ndan y\u0131k\u0131lmas\u0131na karar verilen binalar ile mesken olarak kullan\u0131ma uygun olmayan, bak\u0131ms\u0131z, harap veya metruk binalar.&#8221;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>ZDS kapsam\u0131 d\u0131\u015f\u0131ndaki binalara, \u0130htiyari Deprem Sigortas\u0131 yapt\u0131rabilirsiniz.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00f6y yerle\u015fimleri -genel olarak gelir d\u00fczeyinin d\u00fc\u015f\u00fck olmas\u0131, binalarda belediye denetiminin bulunmamas\u0131 ve sigortan\u0131n sunumunun zor olmas\u0131 gibi nedenlerle- sigorta kapsam\u0131 d\u0131\u015f\u0131nda yer al\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak, k\u00f6ylerde bulunan yap\u0131lar i\u00e7in istendi\u011fi takdirde \u0130htiyari Deprem Sigortas\u0131 yapt\u0131r\u0131lmas\u0131 m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Benzer \u015fekilde, ticari ve sinai ama\u00e7lar i\u00e7in kullan\u0131lan binalar i\u00e7in de \u0130htiyari Deprem Sigortas\u0131 yapt\u0131r\u0131labilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zorunlu Deprem Sigortas\u0131 Teminat Kapsam\u0131 DASK, Zorunlu Deprem Sigortas\u0131 ile depremin ve deprem sonucu meydana gelen yang\u0131n, infilak, tsunami ve [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":84,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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