{"id":170216,"date":"2023-03-02T13:52:59","date_gmt":"2023-03-02T10:52:59","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=170216"},"modified":"2023-03-02T13:53:41","modified_gmt":"2023-03-02T10:53:41","slug":"deprem-sigortasi-hakkinda-bilinmesi-gerekenler","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/deprem-sigortasi-hakkinda-bilinmesi-gerekenler\/","title":{"rendered":"(Turkish) Deprem Sigortas\u0131 Hakk\u0131nda Bilinmesi Gerekenler"},"content":{"rendered":"

Sorry, this entry is only available in Turkish<\/a>. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p>

<\/p>\n

KTO Karatay \u00dcniversitesi Hukuk Fak\u00fcltesi Dekan Yard\u0131mc\u0131s\u0131 Dr. Aytekin \u00c7elik, yapt\u0131\u011f\u0131 a\u00e7\u0131klamada “634 say\u0131l\u0131 Kat M\u00fclkiyeti Kanunu kapsam\u0131ndaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmler, tapuya kay\u0131tl\u0131 ve \u00f6zel m\u00fclkiyete tabi ta\u015f\u0131nmazlar \u00fczerinde mesken olarak in\u015fa edilmi\u015f binalar, bu binalar i\u00e7inde yer alan ve ticarethane, b\u00fcro ve benzeri ama\u00e7larla kullan\u0131lan ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmler zorunlu deprem sigortas\u0131 kapsam\u0131na girer. S\u00f6z konusu zorunluluk bir defal\u0131k s\u00f6zle\u015fme yap\u0131lmas\u0131na ili\u015fkin olmay\u0131p s\u00f6zle\u015fmenin her y\u0131l zorunlu olarak yenilenmesi gerekmektedir” <\/strong><\/em>dedi.<\/h2>\n

Ta\u015f\u0131nmazlar\u0131n tamam\u0131n\u0131n zorunlu deprem sigortas\u0131 kapsam\u0131nda olmad\u0131\u011f\u0131n\u0131 belirten \u00c7elik \u2018Kamu \"\"Konutlar\u0131 Kanunu\u2019na t\u00e2bi olan veya kamu hizmet binas\u0131 olarak kullan\u0131lan binalar ve ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmler, tamam\u0131 ticari veya s\u0131nai ama\u00e7la kullan\u0131lan binalar, k\u00f6y yerle\u015fik alanlar\u0131 ve civar\u0131nda ve mezralarda yap\u0131lan binalar teminat kapsam\u0131 d\u0131\u015f\u0131ndad\u0131r. Ayr\u0131ca ilgili mevzuata ve projeye ayk\u0131r\u0131 olarak in\u015fa edilen, ta\u015f\u0131y\u0131c\u0131 sistemi olumsuz y\u00f6nde etkileyecek \u015fekilde tadil edildi\u011fi veya zay\u0131flat\u0131ld\u0131\u011f\u0131 tespit edilen<\/strong>, projesi bulunmayan ve m\u00fchendislik hizmeti g\u00f6rmemi\u015f binalar<\/strong>, yetkili kamu kurumlar\u0131 taraf\u0131ndan y\u0131k\u0131lmas\u0131na karar verilen binalar<\/strong> ile mesken<\/strong> olarak kullan\u0131ma uygun olmayan, bak\u0131ms\u0131z, harap veya metruk binalar zorunlu deprem sigortas\u0131n\u0131n kapsam\u0131 d\u0131\u015f\u0131nda<\/strong> kalmaktad\u0131r\u2019<\/em>dedi.<\/p>\n

B\u0130NADA MEVZUATA AYKIRI DE\u011e\u0130\u015e\u0130KL\u0130K OLURSA DASK S\u00d6ZLE\u015eMEY\u0130 FESHEDER!<\/strong><\/h3>\n

Baz\u0131 binalar zorunlu deprem sigortas\u0131n\u0131n kapsam\u0131 d\u0131\u015f\u0131nda b\u0131rak\u0131ld\u0131\u011f\u0131ndan sigorta s\u00f6zle\u015fmesi yap\u0131l\u0131rken binan\u0131n durumunun DASK\u2019a do\u011fru bir \u015fekilde beyan edilmesi gerekti\u011finin alt\u0131n\u0131 \u00e7izen \u00c7elik, aksi halde DASK taraf\u0131ndan sigorta tazminat\u0131n\u0131n \u00f6denmemesinin<\/strong> veya sigorta tazminat\u0131nda indirim yap\u0131lmas\u0131n\u0131n<\/strong> g\u00fcndeme gelebilece\u011fini ve sigorta s\u00f6zle\u015fmesi s\u00fcresi i\u00e7erisinde<\/strong> binada mevzuata ayk\u0131r\u0131 de\u011fi\u015fiklik yap\u0131ld\u0131\u011f\u0131n\u0131n \u00f6\u011frenilmesi halinde DASK\u2019\u0131n s\u00f6zle\u015fmeyi feshedebilece\u011fini<\/strong> belirtti.<\/p>\n

Depremin do\u011frudan neden oldu\u011fu maddi zararlar<\/strong> ile deprem sonucu meydana gelen yang\u0131n, infilak veya yer kaymas\u0131n\u0131n<\/strong> sigortal\u0131 binalarda neden olaca\u011f\u0131 hasarlar\u0131n zorunlu deprem sigortas\u0131 kapsam\u0131na girdi\u011fini<\/strong> s\u00f6yleyen \u00c7elik \u2018Enkaz kald\u0131rma masraflar\u0131, k\u00e2r kayb\u0131, i\u015f durmas\u0131, kira mahrumiyeti, alternatif ikametg\u00e2h ve i\u015fyeri masraflar\u0131, mali sorumluluklar ve benzeri dolayl\u0131 zararlar teminat kapsam\u0131 i\u00e7erisine girmemektedir. Ayn\u0131 \u015fekilde sigortaya konu olan ta\u015f\u0131nmazda yer alan her t\u00fcrl\u00fc ta\u015f\u0131n\u0131r mal, e\u015fya ve benzerlerine ili\u015fkin zararlar da<\/strong> teminat kapsam\u0131 i\u00e7erisinde yer almamaktad\u0131r. Zorunlu deprem sigortas\u0131<\/strong> depremin neden oldu\u011fu maddi zararlara ili\u015fkindir<\/strong>. Bu sebeple \u00f6l\u00fcm dahil olmak \u00fczere t\u00fcm bedeni zararlar<\/strong> teminat kapsam\u0131 d\u0131\u015f\u0131nda kalmaktad\u0131r.<\/strong> Ayn\u0131 \u015fekilde manevi zararlar\u0131n da DASK\u2019tan talep edilebilmesi m\u00fcmk\u00fcn de\u011fildir. Depreme ba\u011fl\u0131 olmaks\u0131z\u0131n binan\u0131n kendi kusur<\/strong> ve \u00f6zellikleri nedeniyle<\/strong> zamanla olu\u015fan zararlar da teminat kapsam\u0131 d\u0131\u015f\u0131ndad\u0131r<\/strong>.\u2019<\/em> dedi.<\/p>\n

ZORUNLU DEPREM S\u0130GORTASI ANCAK BEL\u0130RL\u0130 B\u0130R M\u0130KTARA KADAR TEM\u0130NAT SA\u011eLAMAKTADIR!<\/strong><\/h3>\n

Zorunlu deprem sigortas\u0131<\/strong> ile sigorta poli\u00e7esinde<\/strong> g\u00f6sterilen sigorta bedeline<\/strong> kadar bir teminat sa\u011fland\u0131\u011f\u0131n\u0131 belirten \u00c7elik \u2018Depremzedenin u\u011frad\u0131\u011f\u0131 zarar daha fazla olsa bile DASK taraf\u0131ndan ancak sigorta poli\u00e7esinde<\/strong> belirtilen sigorta bedeline kadar sigorta tazminat\u0131<\/strong> \u00f6denebilir. Sigorta bedeli Zorunlu Deprem Sigortas\u0131 Tarife ve Talimat\u0131\u2019nda<\/strong> belirlenen metrekare bedeline g\u00f6re belirlenir. S\u00f6z konusu metrekare bedelleri 25.11.2022<\/strong> tarihinde %100 oran\u0131nda<\/strong> art\u0131r\u0131lm\u0131\u015ft\u0131r. Dolay\u0131s\u0131yla bu tarihinden sonra meydana gelen depremlerde \u00f6denecek olan azami miktar (sigorta bedeli) 640.000TL<\/strong>\u2019dir. S\u00f6z konusu de\u011fi\u015fiklik 25.11.2022 tarihinde<\/strong> yap\u0131lmas\u0131na ra\u011fmen yeni teminat miktarlar\u0131 01.01.2022 tarihinden sonra<\/strong> yap\u0131lan di\u011fer deprem sigortalar\u0131na da uygulanacakt\u0131r. Sigorta edilen ta\u015f\u0131nmaz\u0131n de\u011ferinin bu miktardan daha fazla olmas\u0131 halinde, fazlaya ili\u015fkin k\u0131sm\u0131n zorunlu olmayan deprem sigortas\u0131yla teminat alt\u0131na al\u0131nabilmesi m\u00fcmk\u00fcnd\u00fcr. \u00d6rne\u011fin evin de\u011ferinin 1.000.000TL<\/strong> olmas\u0131 halinde DASK taraf\u0131ndan en fazla 640.000TL<\/strong> teminat sa\u011flanaca\u011f\u0131ndan 360.000TL\u2019lik<\/strong> k\u0131s\u0131m i\u00e7in iste\u011fe ba\u011fl\u0131 deprem sigortas\u0131<\/strong> yap\u0131labilir. Deprem sonucunda meydana gelen k\u0131smi hasarlarda da DASK taraf\u0131ndan sadece zarar miktar\u0131<\/strong> kadar bir \u00f6deme yap\u0131l\u0131r.<\/em><\/p>\n

DASK \u0130LE UYU\u015eMAZLIK YA\u015eANMASI HAL\u0130NDE DAVA A\u00c7ILAB\u0130LCE\u011e\u0130 G\u0130B\u0130 S\u0130GORTA TAHK\u0130M KOM\u0130SYONUNA DA BA\u015eVURULAB\u0130L\u0130R<\/strong><\/h3>\n

Sigorta tazminat miktar\u0131n\u0131n belirlenmesinden<\/strong> itibaren en ge\u00e7 bir ay i\u00e7erisinde<\/strong> DASK taraf\u0131ndan sigorta tazminat\u0131n\u0131n hak sahibine \u00f6demesi<\/strong> gerekir. Ayr\u0131ca deprem sonras\u0131nda sigortal\u0131lara avans \u00f6demesi yap\u0131lmas\u0131<\/strong> m\u00fcmk\u00fcnd\u00fcr. DASK<\/strong> ile sigorta tazminat\u0131n\u0131n \u00f6denmesi vb.<\/strong> konularda bir uyu\u015fmazl\u0131k ortaya \u00e7\u0131karsa sigorta ettiren ki\u015fi<\/strong> bu konuda mahkemelere dava a\u00e7abilece\u011fi gibi Sigorta Tahkim Komisyonuna da<\/strong> ba\u015fvurabilir. DASK, sigorta tahkimine \u00fcyedir<\/strong>\u2019 dedi.<\/p>","protected":false},"excerpt":{"rendered":"

Sorry, this entry is only available in Turkish. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language. KTO Karatay \u00dcniversitesi Hukuk Fak\u00fcltesi Dekan Yard\u0131mc\u0131s\u0131 Dr. Aytekin \u00c7elik, yapt\u0131\u011f\u0131 a\u00e7\u0131klamada “634 say\u0131l\u0131 Kat M\u00fclkiyeti Kanunu kapsam\u0131ndaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmler, tapuya kay\u0131tl\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":170219,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[53],"tags":[108012,39489,98592],"views":34,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/170216"}],"collection":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/comments?post=170216"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/170216\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/170219"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=170216"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=170216"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=170216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}