Common Types of Property Damage in Fires

Fires often lead to significant losses, such as:

• Entire homes or specific rooms burned down

• Furniture, appliances, and personal belongings destroyed

• Cars damaged or completely burned

• Agricultural land and storage units affected

• Smoke and water damage from firefighting efforts

Whether these losses are covered depends on the type of insurance you hold and the terms of your policy.

Does Home Insurance Cover Fire Damage?

Yes, optional home insurance policies in Turkey typically include fire coverage, but only if the policy specifically lists it.

Standard home insurance usually covers:

• Structural damage to the house

• Built-in systems (plumbing, electricity, heating)

• Furniture and household belongings

• Damage caused to third parties (e.g., neighbors)

Note: DASK (Compulsory Earthquake Insurance) does not include fire coverage. A separate home insurance policy is necessary.

What If My Car Was Damaged or Burned in the Fire?

If your vehicle was destroyed in a fire, you may be eligible for compensation under comprehensive vehicle insurance (kasko)—but only if your policy includes a fire clause.

Mandatory traffic insurance does not cover fire damage.

To claim insurance for a burned car:

• The fire must be the result of an external factor (e.g., wildfire, vandalism, short-circuit)

• The incident must be reported to the insurance company within five business days

• Required documents include: the fire department report, photographs, license and registration, and the insurance policy

Steps to Take to Claim Fire Damage Compensation

1. Call the fire department immediately and request an official incident report

2. Notify the police, especially if arson is suspected

3. Inform your insurance company promptly

4. Collect and preserve evidence: photos, video footage, and receipts of lost items

5. Gather essential documents:

   • Policy document

   • ID card or passport

   • Fire brigade report

   • Property deed or car license

   • Damage inventory list

Timely notification and proper documentation are critical to avoid rejection of your claim.

What If the Insurance Company Refuses to Pay?

If the insurer denies your claim without valid justification or offers an insufficient amount, you may pursue one of the following legal remedies:

1. Insurance Arbitration Commission (Sigorta Tahkim Komisyonu)

• A cost-effective and quick solution

• Typically resolves disputes within 30 to 60 days

2. Consumer Arbitration Board

• For claims under 104,000 TL

3. Consumer Court

• For claims exceeding 104,000 TL or involving legal complexity

At LGA Law Firm, we guide you through every step of this process and represent your interests against insurance companies that act in bad faith.

Things to Check in Your Insurance Policy

Before a disaster strikes, verify the following in your home or car insurance policy:

• Is fire damage explicitly listed as a covered risk?

• Does the coverage limit reflect the actual value of your property or vehicle?

• Are personal belongings and third-party damages included?

• Is your policy active and not expired?

These small details can make the difference between receiving fair compensation and facing financial loss.

How LGA Law Firm Can Assist You

Insurance claims can be complex and overwhelming, especially after a traumatic event like a fire. LGA Law Firm provides comprehensive legal support to help you secure your rightful compensation.

We offer:

• Policy analysis and legal review

• Assistance with claim preparation and submission

• Communication and negotiation with the insurance company

• Legal representation in arbitration or court proceedings

We ensure your rights are protected, and you are not left to deal with the aftermath alone.

Contact Us for a Free Legal Assessment

If your house or vehicle was damaged in a fire and you’re unsure about your legal rights, contact our firm for a free preliminary evaluation. We will help you understand your options and take action quickly.

Contact page: https://lgahukuk.com/iletisim
Phone: [Insert phone number]
Email: [Insert email address]

Frequently Asked Questions

Does DASK cover fire damage?
No. DASK is limited to earthquake-related damage. Fire insurance must be purchased separately.

Is fire covered in every car insurance policy?
Only comprehensive policies (kasko) with fire coverage include it. Mandatory traffic insurance does not.

Can I sue the insurance company if they deny my claim?
Yes. You can apply to the Insurance Arbitration Commission or file a lawsuit in a consumer court.