Karakum Insurance Guide 2026

Current Risks and Realities for Living in Karakum

Written by Abby Doğruöz, Karakum Area Representative & Insurance Specialist

As of 2026, Karakum is one of the most densely populated residential areas of Kyrenia.
High-rise apartment living, proximity to the sea, a mix of old and new buildings, and sloped terrain make Karakum a location that requires special attention from an insurance perspective.

This guide is not a sales article.
Its purpose is to explain the real risks faced by Karakum residents in 2026, clearly and honestly.

The Most Common Misconception in Karakum (Still in 2026)

The sentence we still hear most often is:
“The building is new, nothing will happen.”

The reality is different:

• New buildings do not automatically eliminate water or infrastructure risks

• Ground-floor and basement apartments remain more vulnerable

• Proximity to the sea accelerates structural wear

Insurance is based on risk profile, not building age.
This rule has not changed in 2026.

Residential and Apartment Risks in Karakum (2026 Overview)

The most frequent types of property damage in Karakum include:

• Flooding after heavy rainfall

• Sudden water ingress in ground and basement floors

• Leaks originating from shared building infrastructure

• Electrical and utility-related damage

An important point often overlooked:
Damage coming from neighbours or shared areas is not automatically covered.

Policy wording is decisive in these cases.

Living by the Sea: What Has Changed by 2026?

Living near the sea remains one of Karakum’s biggest lifestyle advantages.
However, by 2026, certain risks have become more visible:

• Faster corrosion of plumbing and metal components due to salty air

• Persistently high humidity levels

• Long-term internal structural degradation

These damages are usually gradual rather than sudden and often require special policy evaluation.

Mountain-Origin Flood Risk in Karakum (More Critical in 2026)

Water damage in Karakum does not come only from the sea or local rainfall accumulation.
Intense rainfall originating from the Kyrenia (Beşparmak) mountain range can cause rapid downhill surface flooding toward lower elevations.

In such situations:

• Rainwater flows quickly along natural paths and road slopes

• Underground car parks and ground floors are affected first

• Water arrives as surface runoff, not from sewage systems

As a result, some claims are misunderstood because the damage:

• Did not come from the sea

• Occurred below ground level

How Mountain-Origin Flooding Is Treated by Insurance

This distinction remains critical in 2026:

• Sudden water flow from higher ground is considered surface water caused by heavy rainfall

• It is not automatically covered under every policy

• The policy’s definition of flood and water ingress is decisive

One key clarification:
Long-term dampness and sudden flooding are not the same thing.

If the source of damage is incorrectly identified, the claims process becomes unnecessarily complicated.

Practical 2026 Warnings for Karakum Residents

Properties located on slopes or facing the mountain side should pay special attention to:

• Entrance level elevations

• Basement and semi-basement exposure

• Water diversion channels at parking entrances

These details are often overlooked when buying or renting, but during a claim, they are among the first elements reviewed.

Notes for Vehicle Owners in Karakum (2026)

As of 2026, the most common vehicle-related damages in Karakum involve:

• Scratches and impacts due to narrow streets and parking

• Water damage during heavy rainfall

• Flooding in underground parking areas

A critical warning:
Vehicles driven into standing water should not be restarted without inspection.

Incorrect intervention can significantly affect claim outcomes.

Tenants and Property Owners Face Different Risks

A common misunderstanding persists:
“A rental contract is enough.”

In reality:

• The owner’s risks are different

• The tenant’s responsibilities are different

Typically:

• Tenants are responsible for contents and third-party liability

• Owners are responsible for the structure and shared liabilities

Failing to separate these responsibilities leads to problems during claims.

Questions to Ask When Choosing Insurance in Karakum (2026)

Before committing to a policy, these questions should be clearly answered:

• Under what conditions are water damages covered?

• How is mountain-origin surface water treated?

• How are damages from shared areas assessed?

• Is the rebuilding cost up to date?

If these questions are not addressed, the coverage is incomplete.

Our 2026 Approach in Karakum

At Can Sigorta, our position in Karakum has not changed:

We warn before we sell.
We name risks exactly as they are.
We avoid unnecessary coverage.

We do not offer the same policy to everyone.
We offer the same clarity to everyone.

Final Word

Living in Karakum remains enjoyable in 2026.
But the right insurance protects that lifestyle quietly and effectively.

Save this guide.
Share it if needed.
Most importantly, read it before damage occurs.

In Karakum, information remains the strongest form of protection.