{"id":170651,"date":"2023-03-09T12:03:35","date_gmt":"2023-03-09T09:03:35","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=170651"},"modified":"2023-03-09T12:08:36","modified_gmt":"2023-03-09T09:08:36","slug":"turkiyede-zorunlu-deprem-sigortasini-devam-ettirenlerin-orani-yuzde-57-5","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/turkiyede-zorunlu-deprem-sigortasini-devam-ettirenlerin-orani-yuzde-57-5\/","title":{"rendered":"(Turkish) T\u00fcrkiye\u2019de Zorunlu Deprem Sigortas\u0131n\u0131 Devam Ettirenlerin Oran\u0131 % 57,5"},"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

T\u00fcrkiye bir deprem \u00fclkesi. B\u00fcy\u00fck ve k\u00fc\u00e7\u00fck \u015fiddetteki depremler her y\u0131l \u00fclkemizin farkl\u0131 b\u00f6lgelerinde meydana geliyor. Bunlar\u0131n baz\u0131lar\u0131 ise 6 \u015eubat\u2019ta ya\u015fad\u0131\u011f\u0131m\u0131z Kahramanmara\u015f merkezli ve 11 ilimizi etkileyen depremler gibi \u00fcz\u00fcc\u00fc can kay\u0131plar\u0131na ve a\u011f\u0131r hasarlara neden olabiliyor. En az\u0131ndan maddi hasarlar\u0131n kar\u015f\u0131lanmas\u0131 ve deprem sonras\u0131nda vatanda\u015flar\u0131n ya\u015fam\u0131n\u0131n kald\u0131\u011f\u0131 yerden yeniden g\u00fcvenle devam edebilmesi amac\u0131yla 2000 y\u0131l\u0131nda Zorunlu Deprem Sigortas\u0131 hayata ge\u00e7irildi. Zorunlu Deprem Sigortas\u0131 devlet taraf\u0131ndan sunulan ve Do\u011fal Afet Sigortalar\u0131 Kurumu (DASK) <\/strong>taraf\u0131ndan \u00e7al\u0131\u015fmalar\u0131 y\u00fcr\u00fct\u00fclen bir g\u00fcvence. Bu sigorta s\u00f6zle\u015fmesinin s\u00fcresi ise bir y\u0131l. Bir y\u0131l\u0131n sonunda s\u00f6zle\u015fmelerin yenilenmesi gerekiyor. Kar\u015f\u0131la\u015ft\u0131rma sitesi encazip.com<\/a><\/u>\u2019un yapt\u0131\u011f\u0131 ara\u015ft\u0131rmaya g\u00f6re, T\u00fcrkiye\u2019de Zorunlu Deprem Sigortas\u0131n\u0131 devam ettirenlerin oran\u0131 y\u00fczde 57,5. 2023 y\u0131l\u0131 g\u00fcncel verilerine g\u00f6re, T\u00fcrkiye\u2019de yakla\u015f\u0131k 8,5 milyon<\/strong> konutun Zorunlu Deprem Sigortas\u0131<\/strong> bulunmuyor.<\/h2>\n

 <\/p>\n

Maddi zararlar nakit olarak kar\u015f\u0131lan\u0131yor<\/strong><\/h3>\n

Zorunlu Deprem Sigortas\u0131, konutlar\u0131 depreme ve depremin do\u011frudan neden oldu\u011fu yang\u0131n, infilak, yer \"\"kaymas\u0131 ve tsunami gibi afetlere kar\u015f\u0131 g\u00fcvence alt\u0131na al\u0131yor. Binalardaki maddi zararlar poli\u00e7elerde belirtilen limitler dahilinde nakit olarak kar\u015f\u0131lan\u0131yor. Bu limitler ise Hazine ve Maliye Bakanl\u0131\u011f\u0131 taraf\u0131ndan yay\u0131mlanan “Zorunlu Deprem Sigortas\u0131 Tarife ve Talimat\u0131”na g\u00f6re hesaplan\u0131yor. DASK<\/strong> her y\u0131l in\u015faat maliyetlerindeki art\u0131\u015fa g\u00f6re belirledi\u011fi azami bir tutarda teminat sa\u011fl\u0131yor. DASK\u2019\u0131n resmi web sitesinden al\u0131nan bilgilere g\u00f6re, y\u0131ll\u0131k olarak d\u00fczenlenen poli\u00e7elerin prim tutarlar\u0131<\/strong> konutun yap\u0131 tarz\u0131na, br\u00fct y\u00fcz \u00f6l\u00e7\u00fcm\u00fcne, in\u015fa y\u0131l\u0131na, kat say\u0131s\u0131na<\/strong> ve bulundu\u011fu mahallenin risk grubuna<\/strong> g\u00f6re hesaplan\u0131yor. DASK taraf\u0131ndan verilen azami teminat tutar\u0131 ise 25 Kas\u0131m 2022<\/strong> tarihinden itibaren b\u00fct\u00fcn yap\u0131 tiplerinde 640 bin TL.<\/strong><\/p>\n

K\u00f6y yerle\u015fimleri ise sigorta kapsam\u0131 d\u0131\u015f\u0131nda<\/strong><\/h3>\n

Evinin de\u011feri DASK taraf\u0131ndan verilen azami teminat tutar\u0131n\u0131 a\u015fan ki\u015filer isterlerse a\u015fan k\u0131s\u0131m i\u00e7in sigorta \u015firketlerinden ek teminat<\/strong> alabiliyor. Bunun i\u00e7in \u00f6zel sigorta \u015firketlerinden konut sigortas\u0131 olmas\u0131<\/strong> gerekiyor. K\u00f6y yerle\u015fimleri sigorta kapsam\u0131 d\u0131\u015f\u0131nda yer al\u0131yor, k\u00f6ylerdeki yap\u0131lar i\u00e7in ise \u0130htiyari Deprem Sigortas\u0131<\/strong> yapt\u0131r\u0131labiliyor. S\u00fcrecin i\u015fleyi\u015fi \u015fu \u015fekilde oluyor: Ya\u015fanan depremin ard\u0131ndan depremzedeler hasar ba\u015fvurusunda bulunuyor, ba\u015fvurunun ard\u0131ndan DASK hasar tespit g\u00f6revlisi sigortal\u0131 konutlar\u0131 ziyaret ediyor ve hasar\u0131 tespit ederek tazminat tutar\u0131 belirleniyor. Tazminat tutar\u0131 ba\u015fvuru sahibine (tapuda ad\u0131 ge\u00e7en ki\u015fiye) en k\u0131sa zamanda ilgili bankalar arac\u0131l\u0131\u011f\u0131yla<\/strong> \u00f6deniyor.<\/p>\n

DASK sigortas\u0131 neleri kaps\u0131yor<\/strong><\/h3>\n

Zorunlu Deprem Sigortas\u0131 ile deprem s\u0131ras\u0131nda tamamen ya da baz\u0131 yerleri zarar g\u00f6rm\u00fc\u015f binalar teminat alt\u0131na al\u0131n\u0131yor. Temeller, ana duvarlar, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmleri<\/strong> ay\u0131ran ortak duvarlar, bah\u00e7e duvarlar\u0131, istinat duvarlar\u0131, tavan ve tabanlar, merdivenler, asans\u00f6rler, sahanl\u0131klar, koridorlar, \u00e7at\u0131lar, bacalar<\/strong> ve yap\u0131n\u0131n bunlara benzer nitelikteki tamamlay\u0131c\u0131 b\u00f6l\u00fcmleri<\/strong> bir arada ya da ayr\u0131 ayr\u0131 teminat kapsam\u0131nda<\/strong> yer al\u0131yor.<\/p>\n

E\u015fyay\u0131, i\u015f ve kar kayb\u0131n\u0131 kapsam\u0131yor<\/strong><\/h3>\n

Enkaz kald\u0131rma masraflar\u0131, kar kayb\u0131, i\u015f durmas\u0131, kira mahrumiyeti, alternatif ikametgah ve i\u015fyeri masraflar\u0131, mali sorumluluklar ve benzeri ba\u015fkaca ileri s\u00fcr\u00fclebilecek di\u011fer b\u00fct\u00fcn dolayl\u0131 zararlar, her t\u00fcrl\u00fc ta\u015f\u0131n\u0131r mal, e\u015fya ve benzerleri, t\u00fcm bedeni zararlar ve vefat, manevi tazminat talepleri, deprem ve deprem sonucu olu\u015fan yang\u0131n, infilak, tsunami veya yer kaymas\u0131n\u0131n d\u0131\u015f\u0131nda kalan hasarlar, depremden ba\u011f\u0131ms\u0131z olarak, binan\u0131n kendi kusurlu yap\u0131s\u0131 nedeniyle zamanla olu\u015fmu\u015f zararlar ise bu sigortay\u0131 kapsam\u0131yor. Bu hasarlar i\u00e7in Zorunlu Deprem Sigortas\u0131na<\/strong> ek olarak farkl\u0131 konut sigortalar\u0131<\/strong> yapt\u0131r\u0131labiliyor.<\/p>\n

Kaskosu olmayan ara\u00e7lar\u0131n zararlar\u0131 kar\u015f\u0131lanamayacak<\/strong><\/h3>\n

Depremde yaln\u0131zca evler ve i\u015f yerleri de\u011fil, ara\u00e7lar da zarar g\u00f6rebiliyor. Binlerce ara\u00e7 kullan\u0131lamaz hale gelebiliyor. 6 \u015eubat\u2019ta meydana gelen depremlerde de benzer durumlar ya\u015fand\u0131 ancak kaskosu olmayan ara\u00e7 sahipleri<\/strong> zararlar\u0131n\u0131 tazmin edemeyecek<\/strong>. T\u00fcrkiye Sigortalar Birli\u011finin (TSB)<\/strong> verilerine g\u00f6re, depremin meydana geldi\u011fi 10<\/strong> ildeki 3.1 milyon arac\u0131n<\/strong> sadece 538 bini kaskolu<\/strong>. Oran olarak bak\u0131ld\u0131\u011f\u0131nda bu ara\u00e7lardan sadece y\u00fczde 17.1<\/strong>\u2019inin kaskosunun oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Yani 2.6 milyon arac\u0131n kasko poli\u00e7esi yok<\/strong> dolay\u0131s\u0131yla bu ara\u00e7lar\u0131n da zarar\u0131 kar\u015f\u0131lanamayacak.<\/p>\n

DASK \u015fart ancak yeterli de\u011fil, konut sigortas\u0131 da yapt\u0131r\u0131lmal\u0131<\/strong><\/h3>\n

DASK yapt\u0131rmayanlar\u0131n<\/strong> elektrik, su veya benzeri abonelikleri de<\/strong> ba\u015flatamad\u0131\u011f\u0131n\u0131 ifade eden encazip.com kurucusu ve tasarruf uzman\u0131 \u00c7a\u011fada K\u0131r\u0131m<\/strong>, DASK yapt\u0131rman\u0131n zorunlu oldu\u011funun alt\u0131n\u0131 \u00e7izerek DASK\u2019a ilave olarak\u00a0konut sigortas\u0131<\/strong> yapt\u0131r\u0131lmas\u0131n\u0131n da \u00f6nemini vurgulad\u0131. K\u0131r\u0131m, s\u00f6zlerine \u015f\u00f6yle devam etti: \u201cMevcut mevzuata g\u00f6re DASK, deprem<\/strong> ve sonras\u0131nda<\/strong> olu\u015facak zararlar\u0131n sadece 640 bin TL\u2019sini<\/strong> kar\u015f\u0131l\u0131yor, bunun \u00fcst\u00fc teminat kapsam\u0131 d\u0131\u015f\u0131nda. Olas\u0131 bir depremde konutlarda meydana gelebilecek zararlar\u0131n \u00f6zellikle de artan in\u015faat maliyetleri nedeniyle 640 bin TL<\/strong>\u2019nin \u00fczerinde olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyoruz. Zarar\u0131n tamam\u0131n\u0131n kar\u015f\u0131lanmas\u0131<\/strong> ve bir afet an\u0131nda zorluk \u00e7ekmemek<\/strong> i\u00e7in DASK\u2019a<\/strong> ilave olarak konut sigortas\u0131 yapt\u0131r\u0131lmas\u0131n\u0131 da<\/strong> \u00f6neriyoruz.\u201d<\/em><\/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. T\u00fcrkiye bir deprem \u00fclkesi. B\u00fcy\u00fck ve k\u00fc\u00e7\u00fck \u015fiddetteki depremler her y\u0131l \u00fclkemizin farkl\u0131 b\u00f6lgelerinde meydana geliyor. Bunlar\u0131n baz\u0131lar\u0131 ise 6 \u015eubat\u2019ta ya\u015fad\u0131\u011f\u0131m\u0131z […]<\/p>\n","protected":false},"author":1,"featured_media":170654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[51,53],"tags":[2694,12880,108161,108160,108162,98592],"views":35,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/170651"}],"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=170651"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/170651\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/170654"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=170651"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=170651"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=170651"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}