Why Insurance Is Done Differently on Soylu Street, Yenikent

here are streets in Yenikent that look ordinary on a map.
Soylu Street is one of them.
Not a main road.
Not a place people talk about much.
But the people who live there know.

Something happens here every time.

It starts with rain.
At first, no one panics.
Water gathers along the pavement.
Doorsteps begin to darken.
And then, once again, it happens.

Every time, flooding occurs.

This is not new.
It is not this year’s surprise.
It has been this way for years.

In some homes, water enters from the same point every time.
Certain basements always fill first.
In some buildings, people say, “Not this time,”
and then it happens again.

That is why the tone changes when insurance is discussed on Soylu Street.
General statements are not enough.
Standard explanations fall flat.

People here do not like the word “maybe.”
Because when something has already happened repeatedly,
“maybe” no longer makes sense.

Insurance on Soylu Street is not built on assumptions.
It is built on repetition.
Rain risk is not explained.
History is remembered.

Flooding here does not only affect homes.
The quiet damage happens in garages.

Because the water does not come from above.
It comes from below.

Apartment garages are the first places to fill.
Water reaches the tyres.
Then the rims.
Then the door seals.

Most of the time, the car still starts.
No warning lights appear.
The engine sounds normal.

But a car exposed to water does not fail that day.
Problems appear months later.

Electrical systems absorb moisture.
Sensors begin to behave unpredictably.
Central locking works one day and fails the next.
And the smell never fully disappears.

That is why the phrase “it was parked in the garage” offers no comfort here.
On Soylu Street, a garage is not a safe space.
It is where risk accumulates.

Many car owners say the same thing:
“The car wasn’t in a flood, it was just in the garage.”

But this is exactly what flooding is here.
Water does not need to fill the cabin.
Contact from below or from the sides is enough.

That is why vehicles are considered separately when insurance is discussed.
“Home insurance is in place” is not enough.
“Covered garage” is not enough either.

Because the risk belongs to the car.
And this risk has happened before.
More than once.

Some cars on Soylu Street have never been in an accident.
Yet they still have damage records.
Not from impact.
From water exposure.

Anyone who has experienced this stops asking,
“Do I really need comprehensive insurance?”

The question becomes different:
“Does this insurance actually recognise this risk?”

That is why insurance is done differently on Soylu Street.
Not because it is more expensive.
Not because it is more complicated.

Because it is more real.

This is not a warning.
It is not a campaign.

It is simply a record of what has happened,
in homes,
in garages,
under parked cars,
again and again.

And in Cyprus,
this is exactly how memory is formed.