One of the important issues that did not fall out of the agenda with the urban transformation process, which had an intense impact after a while after the Marmara Earthquake, was the purchase of housing and housing prices. In this period, you will see that there is urban transformation works in almost every neighborhood and most of the old buildings have been demolished and replaced with new ones. Most high-rise, aesthetic and eye-catching buildings, those who intend to buy a home, primarily impresses with their elegant looks. However, as citizens living in an earthquake country, the first question you need to ask in the process of buying a house is whether the building is earthquake-resistant.
Let your house be sheltered during the earthquake
The main features that are evaluated when buying a house before the Great Marmara Earthquake are; the location of the house, the size, the heating, such as variables were useful. After the earthquake, the situation changed and the first feature sought was the earthquake resistance of the building. However, this does not mean that all houses built in accordance with building construction regulations after the earthquake are intact. Therefore, you need to pay attention to the main points in order to evaluate whether the houses you intend to buy are as long as they are earthquake-proof enough:
- You should make the floor determination of the building you intend to buy very well. The building is on a rock background; or fill, sand or slime is built on the floor, you should find out. If it is still under construction, you can check the project ground report.
- First of all, you should pay attention that the buildings you should prefer are constructions constructed with ready-mixed concrete technology. Since concretes are divided into many classes according to their purpose of use, it is better not to choose buildings that use concretes below the C25 level.
- The fact that the part of the building under the ground is one third is directly proportional to its durability. You should also have an idea about the structure under the ground.
- Columns are the parts that have the most influence on the durability of buildings. You should find out whether the curtain and column construction is done properly. Designs such as symmetrical sizing with the use of short columns are applications that increase the earthquake resistance level of the house.
- The basement of the building is one of the important areas that you should examine. This area is damp and poorly insulated, giving you a negative indication of the soundness of the building.
- Inspect the inconspicuous areas of the building, such as the apartment space, under the stairs, and look for damage. These areas may give serious indication of the general condition of the building.
Next Measure Against Earthquake: Housing Insurance
You may think that you have achieved the home of your dreams, both in appearance and endurance; however, this does not mean that you are no longer responsible for your home. On the contrary, perhaps it means that your responsibility has just begun.
Although technology makes thousands of solutions easier and makes your time in your home much more effortless and safe, it does not prevent accidents that cannot be avoided. For various reasons or natural disasters, you may damage your property, break your window, flood your house, or break into your house. All these negative factors cause you to suffer financially. Right at this point, the Housing Insurance enters into service, protecting you against various risks. Unlike Earthquake Insurance (DASK); however, Housing Insurance is a type of insurance that can be extended with main and additional collaterals, which will save you from much greater material damage if made. It can secure both your building and your belongings.
The main guarantees covered by the Housing Insurance may differ according to the insurance companies; however, the risk common to all of the guarantees they offer is fire. Damages caused by a fire, lightning, or explosion are common collaterals. Your insurance will cover your damage even if the fire broke out in another house and splashed into your property.
The coverage of the Housing Insurance can be extended with additional premiums to be paid and additional guarantees are added to the policy. Housing Insurance is activated in the following cases:
- It covers the damages caused by breaking the glass or mirror installed in your house.
- It covers the theft of your property, the damage to the building or the property. The important thing to note here is that you must keep these items locked in order to cover your loss of jewelery. The loss of your unprotected valuables is not covered by the insurance.
- It covers the damage to your home by events like strikes, lockouts, mass movements or malicious actions.
- It covers the damage you suffer as a result of flooding your house. In case of floods in another house affecting your home and your property, the housing policy will also come into play.
- It covers the material damages caused by earthquake disaster. In this case, the point where Housing Insurance will take effect is the point where the TCIP limit is insufficient to cover the expenses.
- Cover the damages caused by the storm.
- It compensates the material damage caused by heavy snowfall.
- It provides support for certain repair works such as locksmith, plumbing.
- It covers the costs of removing debris from damage.
In addition to the aforementioned items, the scope of the Housing Insurance claim payment can be extended by making necessary premium increases on the housing policy. In other words, Housing Insurance calculation process is performed according to the number and type of risks included in the policy.
We have DASK in our house, can we get housing insurance?
One of the most confusing issues regarding home insurance is the difference between Housing Insurance and Compulsory Earthquake Insurance (DASK). These two types of insurance are also quite different in terms of the coverage they cover.
Housing insurance, optionally made; It is a type of insurance that guarantees the loss of all risks that can be expanded with additional guarantees and optionally added to the policy, including natural disasters.
Compulsory Earthquake Insurance is a compulsory insurance that was put into force in 2000 considering the damages caused by the 1999 Marmara Earthquake. TCIPas a natural disaster, only the earthquake disaster will cause losses in the building. Keeps items out of scope. Losses caused by the earthquake as well as subsequent damages caused by explosions and fires are included in the insurance.
One of the most frequently asked questions is whether or not you can get a Home Insurance if you are a tenant instead of a landlord. Tenants have the right to secure their belongings by having Goods Coverage instead of comprehensive Housing Insurance that protects the buildings. In this way, all the goods in the house flood, fire, theft, landslides, snow, storms, terrorism, such as to protect against damaging events. Both the landlord and the tenants can make a Goods Coverage to protect their summer or winter homes.
In addition, the tenants in the case of damage to the landlord's home in cases of loss of housing that enters the housing insurance enters into the loss of the landlord.
Housing Insurance Prices Are Below Your Possible Financial Loss
Housing Insurance prices; building guaranteed, goods secured, building and goods guaranteed package policies can be calculated in three different ways.
-Builded housing package policies are obliged to cover damage to your building as a result of possible risks. The first criterion to be considered when calculating the prices of these policies is whether the building is located in the earthquake risk zone. Your annual premium varies accordingly.
-Packaged housing package policies will only protect your belongings as a result of damaging incidents. When calculating the price of this policy, the items you want to secure are determined and an insurance cost budget is created. You will then receive an annual premium.
– Housing package policies, which together with the building and goods collateral, evaluate both the building cost and the goods to be secured together and produce an annual premium amount.
Housing Insurance prices have very low annual premiums compared to the amount of material losses that may occur in possible risk situations. For example, the housing insurance premium that is required to be paid annually for a house whose building cost is determined as 200.000 TL and the property value is 50.000 TL is approximately 450 TL. Housing Insurance package policy contents vary according to different insurance companies. establishing Turkey's first chain insurance, Insurance Cini leader in the field, creating the most appropriate home insurance price quote you with a comprehensive package. In addition, if you do not have Compulsory Earthquake Insurance yet, you can make your DASK online with one click from Insurance Genie website. Click.