Why Do Hillside Homes in Ozankoy Require Special Insurance Attention?

Many homes in Ozankoy are built along the lower and mid-slopes of the Kyrenia mountain range. This terrain creates a unique interaction between soil, structure, and water flow that standard home insurance models often fail to capture.

Hillside construction introduces several long-term variables. Natural ground settlement, seasonal soil expansion, and drainage pressure all influence how a building behaves over time. These processes are usually gradual, which makes it difficult to distinguish between sudden damage and structural evolution.

Insurance assessment in Ozankoy focuses on cause, not appearance. A visible crack or wall movement is not enough on its own. Assessors evaluate whether the issue resulted from a sudden external event such as heavy rainfall or whether it developed slowly due to ground behavior and design limitations.

Drainage is particularly critical in Ozankoy. Water runoff from higher elevations can concentrate around foundations if not properly managed. In many cases, damage linked to water pressure is not treated as an insured event but as a design or maintenance concern.

A special assessment at policy inception documents slope conditions, retaining structures, drainage paths, and existing stress indicators. This establishes a clear baseline.

Hillside homes in Ozankoy are not problematic by default.
They simply require location-aware evaluation rather than generic assumptions.