{"id":315,"date":"2025-10-06T10:52:38","date_gmt":"2025-10-06T10:52:38","guid":{"rendered":"https:\/\/demo.webbankasi.com\/138\/?p=315"},"modified":"2025-10-06T10:52:42","modified_gmt":"2025-10-06T10:52:42","slug":"dask-sigortasi-nedir","status":"publish","type":"post","link":"https:\/\/demo.webbankasi.com\/138\/?p=315","title":{"rendered":"Dask Sigortas\u0131 Nedir?"},"content":{"rendered":"\n

Deprem Kap\u0131da De\u011fil, Hayat\u0131m\u0131zda: DASK Hakk\u0131nda Bilmeniz Gereken Her \u015eey<\/h3>\n\n\n\n

T\u00fcrkiye, co\u011frafi konumu nedeniyle bir deprem \u00fclkesidir ve bu ger\u00e7e\u011fi g\u00f6rmezden gelmek, hem ki\u015fisel hem de ulusal d\u00fczeyde b\u00fcy\u00fck riskler ta\u015f\u0131r. Depremin y\u0131k\u0131c\u0131 etkilerine kar\u015f\u0131 al\u0131nabilecek en somut ve en eri\u015filebilir finansal \u00f6nlem ise DASK (Do\u011fal Afet Sigortalar\u0131 Kurumu) Zorunlu Deprem Sigortas\u0131<\/strong>‘d\u0131r.<\/p>\n\n\n\n

Pek \u00e7ok ki\u015fi DASK’\u0131 sadece bir tapu veya abonelik i\u015flemi zorunlulu\u011fu olarak g\u00f6rse de, bu sigorta asl\u0131nda deprem sonras\u0131 hayat\u0131 yeniden kurman\u0131n temel dire\u011fidir. DASK, konutunuzun u\u011frayaca\u011f\u0131 yap\u0131sal hasarlar\u0131n y\u00fck\u00fcn\u00fc \u00fcstlenerek, deprem sonras\u0131nda ayakta kalman\u0131z\u0131 sa\u011flayan bir sosyal g\u00fcvenlik a\u011f\u0131 g\u00f6revi g\u00f6r\u00fcr.<\/p>\n\n\n\n

DASK Nedir ve Neden Zorunludur?<\/h3>\n\n\n\n

DASK, konut sahiplerinin deprem ve deprem kaynakl\u0131 risklere kar\u015f\u0131 binalar\u0131n\u0131 g\u00fcvence alt\u0131na almalar\u0131 i\u00e7in 2000 y\u0131l\u0131nda kurulmu\u015f bir sigorta sistemidir. 6305 say\u0131l\u0131 Afet Sigortalar\u0131 Kanunu<\/strong> gere\u011fince, tapuya kay\u0131tl\u0131 konutlar i\u00e7in bu sigortan\u0131n yapt\u0131r\u0131lmas\u0131 zorunludur.<\/p>\n\n\n\n

Zorunlulu\u011fun Temel Nedeni:<\/strong> Devletin amac\u0131, deprem riskini toplumsal bir sorumluluk haline getirmek ve hasar maliyetlerini sadece devlet b\u00fct\u00e7esi yerine bir havuzda toplamakt\u0131r. Bu sayede, depremden etkilenen vatanda\u015flara h\u0131zl\u0131 ve adil bir \u015fekilde tazminat \u00f6demesi yap\u0131lmas\u0131 garanti alt\u0131na al\u0131n\u0131r. DASK poli\u00e7esi olmadan elektrik, su veya do\u011falgaz abonelik i\u015flemleri yap\u0131lamaz.<\/p>\n\n\n\n

DASK Neleri Kapsar?<\/h3>\n\n\n\n

DASK, konutun sadece in\u015fa bedelini<\/strong> (yap\u0131 maliyetini) teminat alt\u0131na al\u0131r, e\u015fyalar\u0131 veya dekorasyon masraflar\u0131n\u0131 kapsamaz. Teminat, binan\u0131n ana ta\u015f\u0131y\u0131c\u0131 unsurlar\u0131nda meydana gelen hasarlara odaklan\u0131r:<\/p>\n\n\n\n

    \n
  • Depremin Do\u011frudan Neden Oldu\u011fu Hasarlar:<\/strong> Deprem sars\u0131nt\u0131s\u0131n\u0131n bina \u00fczerinde yaratt\u0131\u011f\u0131 t\u00fcm yap\u0131sal hasarlar.<\/li>\n\n\n\n
  • Deprem Kaynakl\u0131 Yang\u0131n:<\/strong> Deprem sonucu \u00e7\u0131kan yang\u0131nlar\u0131n binaya verdi\u011fi hasarlar.<\/li>\n\n\n\n
  • Tsunami Zararlar\u0131:<\/strong> Deprem sonras\u0131 olu\u015fan tsunaminin binaya verdi\u011fi maddi zararlar.<\/li>\n\n\n\n
  • Yer Kaymas\u0131 (Heyelan):<\/strong> Depremin tetikledi\u011fi yer kaymas\u0131 veya toprak \u00e7\u00f6kmesi sonucu olu\u015fan yap\u0131sal hasarlar.<\/li>\n\n\n\n
  • Bina K\u0131s\u0131mlar\u0131:<\/strong> Temeller, ana duvarlar, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmleri ay\u0131ran ortak duvarlar, tavanlar, bacalar, merdivenler ve koridorlar gibi yap\u0131n\u0131n temel unsurlar\u0131 teminata dahildir.<\/li>\n<\/ul>\n\n\n\n

    DASK Neleri Kapsamaz? (S\u0131n\u0131rlar\u0131 Bilmek \u00d6nemli)<\/h3>\n\n\n\n

    DASK’\u0131n s\u0131n\u0131rlar\u0131, konut sahipleri taraf\u0131ndan s\u0131k\u00e7a kar\u0131\u015ft\u0131r\u0131l\u0131r. A\u015fa\u011f\u0131daki durumlar DASK kapsam\u0131nda de\u011fildir<\/strong>:<\/p>\n\n\n\n

      \n
    1. E\u015fyalar ve De\u011ferli Malzemeler:<\/strong> Evin i\u00e7indeki mobilya, beyaz e\u015fya, elektronik cihazlar veya ki\u015fisel e\u015fyalar.<\/li>\n\n\n\n
    2. K\u00e2r Kayb\u0131 veya Kira Geliri Kayb\u0131:<\/strong> Deprem nedeniyle olu\u015fan i\u015f veya gelir kay\u0131plar\u0131.<\/li>\n\n\n\n
    3. Enkaz Kald\u0131rma Masraflar\u0131:<\/strong> Hasar g\u00f6ren binan\u0131n enkaz\u0131n\u0131n kald\u0131r\u0131lmas\u0131 masraflar\u0131 (Bu, genellikle Konut Sigortas\u0131 ile temin edilir).<\/li>\n\n\n\n
    4. Bina Eksikliklerinden Kaynaklanan Hasar:<\/strong> Depremden ba\u011f\u0131ms\u0131z olarak binan\u0131n kusurlu in\u015fas\u0131 veya bak\u0131ms\u0131zl\u0131\u011f\u0131ndan kaynaklanan hasarlar.<\/li>\n\n\n\n
    5. Teminat Limiti A\u015f\u0131m\u0131:<\/strong> DASK, her y\u0131l belirlenen azami bir teminat tutar\u0131<\/strong> ile s\u0131n\u0131rl\u0131d\u0131r. Bu limitin \u00fczerindeki hasarlar (binan\u0131n piyasa de\u011feri daha y\u00fcksekse) DASK taraf\u0131ndan kar\u015f\u0131lanmaz.<\/li>\n<\/ol>\n\n\n\n

      Tazminat S\u00fcreci Nas\u0131l \u0130\u015fler?<\/h3>\n\n\n\n

      Deprem sonras\u0131 hasar olu\u015fmas\u0131 durumunda, tazminat s\u00fcreci basittir:<\/p>\n\n\n\n

        \n
      1. Hasar Bildirimi:<\/strong> Hasar\u0131n\u0131z\u0131, TC kimlik numaran\u0131z\/poli\u00e7e numaran\u0131z ile DASK’a veya sigorta acentenize en ge\u00e7 15 g\u00fcn<\/strong> i\u00e7inde bildirmeniz gerekir.<\/li>\n\n\n\n
      2. Eksper G\u00f6revlendirme:<\/strong> DASK, hasar tespiti i\u00e7in b\u00f6lgeye ba\u011f\u0131ms\u0131z sigorta eksperleri g\u00f6nderir.<\/li>\n\n\n\n
      3. Tazminat \u00d6demesi:<\/strong> Eksper raporunun tamamlanmas\u0131n\u0131n ard\u0131ndan, tespit edilen hasar bedeli, poli\u00e7e limiti dahilinde en ge\u00e7 45 g\u00fcn<\/strong> i\u00e7inde sigortal\u0131ya \u00f6denir.<\/li>\n<\/ol>\n\n\n\n

        DASK, bir l\u00fcks de\u011fil, deprem ger\u00e7e\u011fi kar\u015f\u0131s\u0131nda yasal ve finansal bir zorunluluktur<\/strong>. Bu k\u00fc\u00e7\u00fck y\u0131ll\u0131k prim, b\u00fcy\u00fck bir felaketin ard\u0131ndan ailenizin ba\u015f\u0131n\u0131 sokaca\u011f\u0131 \u00e7at\u0131y\u0131 yeniden kuracak en \u00f6nemli g\u00fcvencenizdir. Poli\u00e7enizi d\u00fczenli olarak yenilemeyi ve \u00f6zellikle yenileme d\u00f6nemlerinde teminat limitinizin g\u00fcncel in\u015faat maliyetlerini kar\u015f\u0131lay\u0131p kar\u015f\u0131lamad\u0131\u011f\u0131n\u0131 kontrol etmeyi ihmal etmeyin.<\/p>\n","protected":false},"excerpt":{"rendered":"

        Deprem Kap\u0131da De\u011fil, Hayat\u0131m\u0131zda: DASK Hakk\u0131nda Bilmeniz Gereken Her \u015eey T\u00fcrkiye, co\u011frafi konumu nedeniyle bir deprem \u00fclkesidir ve bu ger\u00e7e\u011fi g\u00f6rmezden gelmek, hem ki\u015fisel hem de ulusal d\u00fczeyde b\u00fcy\u00fck riskler ta\u015f\u0131r. Depremin y\u0131k\u0131c\u0131 etkilerine kar\u015f\u0131 al\u0131nabilecek en somut ve en eri\u015filebilir finansal \u00f6nlem ise DASK (Do\u011fal Afet Sigortalar\u0131 Kurumu) Zorunlu Deprem Sigortas\u0131‘d\u0131r. Pek \u00e7ok ki\u015fi […]<\/p>\n","protected":false},"author":1,"featured_media":316,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/posts\/315","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=315"}],"version-history":[{"count":1,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/posts\/315\/revisions"}],"predecessor-version":[{"id":317,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/posts\/315\/revisions\/317"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/media\/316"}],"wp:attachment":[{"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=315"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=315"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=315"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}