Foreign-Owned Warehouse Insurance Claims in Turkey | Damaged or Stolen Stock 2026

Can foreign-owned warehouses claim insurance compensation for damaged or stolen stock in Turkey? Learn about warehouse insurance, theft, fire, water damage, stock valuation, underinsurance, rejected claims, Insurance Arbitration, and commercial litigation in this 2026 legal guide.

Yes. A foreign-owned company operating a warehouse in Turkey can generally claim insurance compensation for damaged, destroyed, or stolen inventory when the relevant risk is covered by its insurance policy and the company can establish the occurrence and amount of the loss.

Foreign ownership does not, by itself, prevent a business from benefiting from property, fire, theft, warehouse, or commercial insurance coverage in Turkey. The decisive questions are whether the company has an insurable interest, whether the relevant stock is included within the insured property, whether the cause of loss falls within the policy coverage, and whether an exclusion applies.

In practice, however, high-value warehouse claims frequently become disputed. An insurer may accept that an incident occurred but challenge the quantity of stock allegedly present in the warehouse, the value of the goods, ownership of the inventory, the effectiveness of security measures, the cause of a fire or water loss, or whether the policy limit accurately reflected the actual inventory value.

For foreign investors, manufacturers, exporters, importers, wholesalers, logistics companies, and international trading businesses operating in Turkey, warehouse insurance disputes may therefore involve much more than proving that goods were physically damaged.

A strong claim requires coordinated insurance-law, accounting, inventory, technical, and evidentiary analysis.

Are Foreign-Owned Warehouses Entitled to the Same Insurance Protection?

In principle, yes.

A Turkish company with foreign shareholders may purchase commercial insurance and pursue compensation under the same general insurance framework applicable to domestically owned companies.

The nationality of shareholders is normally less important than questions such as:

• Who is the policyholder?
• Who owns the stock?
• Who bears the financial risk of loss?
• Where was the stock located?
• Was that location declared to the insurer?
• What risks were insured?
• What was the insured value?
• Were policy conditions satisfied?
• Can the quantity and value of the lost goods be proven?

Foreign parent companies should pay particular attention to group structures in which the warehouse operator, inventory owner, importer, distributor, and policyholder are different legal entities.

An insurer may dispute compensation if the entity claiming payment cannot demonstrate its legal or economic interest in the damaged stock.

What Types of Stock Loss May Be Insured?

Coverage depends on the policy, endorsements, limits, and applicable general conditions.

Commercial warehouse insurance may potentially protect inventory against risks such as:

• Fire
• Explosion
• Smoke damage
• Water damage
• Flood
• Storm
• Natural disasters
• Theft
• Attempted theft
• Malicious acts
• Accidental physical damage
• Damage caused by specified insured events

A company should never assume that purchasing a general commercial property policy means every possible cause of warehouse stock loss is covered.

The exact scope of insurance must be reviewed before determining whether compensation is payable.

Can Stolen Warehouse Stock Be Covered?

Yes, if theft coverage has been included in the policy and the circumstances of the theft fall within the insured risks.

The applicable theft insurance framework in Turkey covers direct physical loss and damage to insured property arising from specified forms of theft or attempted theft, including certain situations involving forced entry, unlawful opening of locks, unauthorized keys, concealed entry, or violence and threats, depending on the policy terms.

This means that proving that inventory is simply “missing” may not always be enough.

The insurer may investigate:

• How the warehouse was entered
• Whether doors or locks were damaged
• Whether an alarm was activated
• Whether CCTV footage exists
• Whether access cards were used
• Whether employees were involved
• Whether stock records prove the missing quantity
• Whether police were notified
• Whether security obligations were complied with

The precise circumstances of the disappearance can determine whether the incident constitutes an insured theft.

What If There Is No Sign of Forced Entry?

This is a frequent source of dispute.

An insurer may argue that unexplained inventory shortages do not constitute theft covered by the policy.

However, the absence of a broken door does not automatically mean that no covered theft occurred. Depending on the applicable policy provisions, unlawful access involving improperly obtained keys, access credentials, concealed entry, or certain other methods may still require analysis.

Foreign companies should therefore preserve:

• Electronic access logs
• Alarm records
• Employee entry records
• CCTV footage
• Vehicle entry records
• Security company reports
• Warehouse management system records
• Key registers

The legal characterization of the incident should be based on evidence rather than assumptions.

Employee Theft and Internal Fraud

Internal theft presents additional complications.

Stock may disappear because of conduct involving:

• Warehouse employees
• Security personnel
• Drivers
• Subcontractors
• Logistics contractors
• Inventory managers
• Third-party warehouse operators

Whether employee dishonesty is covered depends heavily on the insurance wording.

Standard theft coverage should not automatically be assumed to include every form of employee fraud, embezzlement, inventory manipulation, or dishonest conduct.

Companies handling high-value products should consider whether separate crime, fidelity, employee dishonesty, or commercial fraud insurance is necessary.

Can Fire-Damaged Stock Be Claimed?

Yes, where fire is a covered risk.

Warehouse fires can cause several categories of loss:

• Complete destruction of goods
• Partial burning
• Smoke contamination
• Heat damage
• Water damage caused by firefighting
• Chemical contamination
• Packaging damage
• Loss of commercial usability

A common dispute concerns inventory that physically survives the fire but can no longer legally or commercially be sold.

For example, pharmaceuticals, food, cosmetics, electronics, chemicals, textiles, or sensitive industrial components may lose their commercial value even if they are not completely destroyed.

The company should therefore establish not only physical damage but also why the affected goods can no longer safely or legally be sold.

Water Damage to Warehouse Stock

Water-related claims can be particularly complex because insurance coverage depends on the source of the water.

Possible causes include:

• Broken pipes
• Sprinkler malfunction
• Roof leakage
• Storm damage
• Flood
• Drainage failure
• Burst water tanks
• Firefighting operations
• Neighboring property incidents

An insurer may accept one cause but exclude another.

For example, sudden water escape may receive different treatment from long-term seepage, inadequate maintenance, or gradual deterioration.

A technical investigation should identify the exact cause before damaged materials are removed.

Flood-Damaged Inventory

Flood claims may involve significant losses where warehouses are located in industrial areas, logistics zones, ports, or low-lying regions.

The insurer may investigate:

• Whether flood coverage was purchased
• The precise cause of water entry
• Drainage conditions
• Elevation of stock
• Previous flooding
• Risk disclosures
• Whether preventive measures were required
• Whether goods could have been relocated

A company should document the water level, damaged zones, affected pallets, timestamps, weather conditions, drainage failure, and mitigation measures as quickly as possible.

What Evidence Proves the Amount of Stock?

This is often the central issue in warehouse insurance disputes.

A claimant may need to establish what stock physically existed immediately before the insured event.

Useful evidence includes:

• Inventory ledgers
• Warehouse management system records
• Purchase invoices
• Import documentation
• Customs declarations
• Delivery notes
• Goods-received records
• Sales records
• ERP data
• Barcode records
• Pallet records
• Serial numbers
• Stock-count reports
• Accounting records
• CCTV recordings
• Transportation documentation

The stronger the company’s inventory controls were before the loss, the easier it is to establish the quantity of damaged or stolen goods.

Why Physical Inventory Counts Matter

Following a major event, the insurer’s loss adjuster may conduct or request a physical stock count.

The company should ideally participate through its own employees, accountants, technical advisers, and, where necessary, independent experts.

The inventory should distinguish between:

• Completely destroyed goods
• Partially damaged goods
• Undamaged goods
• Salvageable stock
• Missing inventory
• Obsolete inventory
• Third-party stock
• Goods already sold
• Goods awaiting shipment

Failing to separate these categories can significantly complicate the valuation.

How Is Damaged Stock Valued?

The insured amount is not necessarily identical to the retail selling price.

Depending on the policy and type of stock, relevant values may include:

• Purchase cost
• Replacement cost
• Manufacturing cost
• Raw-material cost
• Import cost
• Customs duties
• Freight expenses
• Production expenses
• Market value
• Salvage value

The appropriate valuation method must be determined from the policy.

A company claiming the full expected retail price for all destroyed inventory may face resistance if the policy insures only replacement or acquisition value.

Imported Goods and Currency Risk

Foreign-owned warehouses frequently store imported goods purchased in euros, U.S. dollars, or other currencies.

This can create major valuation issues where:

• Currency exchange rates change significantly
• Replacement goods become more expensive
• Freight costs increase
• Customs costs rise
• Supplier prices increase
• The policy limit remains unchanged

A warehouse insured for a historically calculated amount may therefore become substantially underinsured.

Companies should periodically review insured stock values rather than waiting until a major loss occurs.

What Is Underinsurance?

Underinsurance occurs when the insured amount is lower than the value that should have been insured under the contractual structure.

Where legally and contractually applicable, underinsurance may cause compensation to be reduced proportionally.

For example, if inventory that should have been insured for a significantly higher value was insured only for a portion of that amount, an insurer may attempt to reduce the claim in accordance with the relevant policy and statutory rules.

This can produce severe financial consequences even where the loss itself is unquestionably covered.

Stock Values That Fluctuate During the Year

Many warehouse businesses do not maintain constant inventory.

Stock may increase dramatically during:

• Seasonal sales periods
• Holiday periods
• Import cycles
• Agricultural harvest periods
• Promotional campaigns
• Large customer orders
• Manufacturing cycles

A fixed annual insured value may be insufficient during peak inventory periods.

Businesses should review whether their policies include mechanisms such as:

• Adjustable stock declarations
• Maximum stock limits
• Monthly declarations
• Seasonal increases
• Automatic value adjustments
• Multiple-location limits

A foreign company should not assume that the highest stock value of the year will automatically be insured.

Stock Stored at Several Warehouses

Insurance coverage is often location-specific.

If goods are moved between warehouses, the company should determine whether the policy covers:

• Only one declared address
• Multiple declared warehouses
• Temporary storage locations
• Customs warehouses
• Third-party logistics facilities
• Goods in transit
• Port storage
• Temporary overflow storage

A claim may be disputed where goods were physically located somewhere that was never declared to the insurer.

This issue is particularly important for foreign businesses using flexible logistics networks in Turkey.

Third-Party Goods Stored in the Warehouse

Warehouses frequently contain inventory belonging to different entities.

A logistics company may store goods belonging to customers. A Turkish subsidiary may store inventory legally owned by its foreign parent. A distributor may possess goods subject to retention-of-title arrangements.

Insurance coverage should therefore be examined carefully.

The policy should identify whether it covers:

• Property owned by the insured
• Property held in trust
• Customers’ goods
• Consigned goods
• Goods under contractual responsibility
• Third-party inventory

Ownership and insurance interest should be documented before a loss occurs.

What If the Stock Belongs to the Foreign Parent Company?

Compensation may still potentially be available, but the structure must be examined carefully.

Relevant documents may include:

• Intercompany agreements
• Purchase contracts
• Import documents
• Transfer-pricing records
• Customs documentation
• Warehouse agreements
• Distribution agreements
• Consignment agreements

The insurer may ask why a Turkish subsidiary is claiming compensation for goods legally owned by another group company.

The policyholder, insured party, beneficiary, inventory owner, and party bearing the economic risk should therefore be identified precisely.

What Should a Company Do Immediately After Theft?

The first hours after discovering a warehouse theft are critical.

The company should:

1. Notify law enforcement promptly.
2. Secure the warehouse.
3. Preserve CCTV recordings.
4. Preserve access-control logs.
5. Prevent automatic deletion of digital evidence.
6. Conduct a controlled preliminary inventory.
7. Notify the insurer immediately.
8. Avoid disturbing evidence unnecessarily.
9. Obtain photographs and video.
10. Identify witnesses.
11. Preserve accounting and warehouse-management records.
12. Review contractual notification obligations.

The insurer should not be allowed to become the only party collecting evidence.

What Should a Company Do Immediately After Physical Damage?

Following fire, flooding, explosion, or another physical loss, the company should first protect people and prevent further damage.

Once the site is safe, evidence preservation should begin.

The company should record:

• Date and time
• Probable cause
• Affected warehouse areas
• Damaged pallet locations
• Product quantities
• Batch numbers
• Serial numbers
• Photographs
• Video recordings
• Emergency-service records
• Witness statements
• Repair work
• Salvage activities

Damaged inventory should generally not be destroyed before adequate documentation and insurer inspection, unless safety, legal, or emergency considerations require immediate disposal.

Should the Insurer Be Notified Immediately?

Yes.

Prompt written notice is extremely important.

The policy may impose detailed duties concerning:

• Notification
• Loss prevention
• Preservation of evidence
• Access for inspection
• Documentation
• Police notification in theft cases
• Cooperation with loss adjusters

Even where the company believes the exact amount of damage is unknown, the occurrence of the incident should normally be reported without unnecessary delay.

The financial amount can later be supported through a detailed claim submission.

The Insurer’s Loss Adjuster Is Not the Final Decision-Maker

Foreign companies sometimes assume that a loss adjuster’s report cannot be challenged.

That is incorrect.

The company may obtain independent opinions concerning:

• Cause of loss
• Inventory quantity
• Replacement value
• Salvage value
• Underinsurance
• Damage percentage
• Commercial usability
• Fire causation
• Water contamination
• Security systems

In large warehouse claims, independent forensic accounting can be just as important as engineering evidence.

Forensic Accounting in Stock Claims

Where thousands of items have been destroyed or stolen, physical evidence may no longer exist.

The amount of stock may therefore need to be reconstructed through accounting and digital data.

A forensic stock analysis may compare:

• Opening inventory
• Purchases
• Imports
• Manufacturing entries
• Internal transfers
• Sales
• Returns
• Dispatches
• Damaged stock
• Inventory immediately before the event

The fundamental calculation may resemble:

Opening Stock + Purchases and Receipts – Sales and Dispatches = Expected Closing Stock

However, large commercial claims often require much more detailed SKU-level reconciliation.

What If the Insurer Says the Stock Never Existed?

The insurer should be asked to identify the factual basis for that allegation.

The company can respond with independent evidence such as:

• Customs entries
• Supplier invoices
• Bank payments
• Transportation records
• Barcode records
• Warehouse movements
• ERP logs
• Previous inventory counts
• VAT records
• Customer orders
• CCTV evidence

Consistent documentation across independent systems can provide powerful evidence that the claimed stock actually existed.

Can an Insurer Reject a Claim Because Inventory Records Are Incomplete?

Potentially, but incomplete records do not necessarily eliminate the entire claim.

The issue becomes evidentiary.

If one source of inventory data is incomplete, other evidence may establish the quantity and value of goods.

For example, purchase invoices, customs records, supplier confirmations, bank transfers, delivery notes, and warehouse-system entries may collectively reconstruct the inventory.

The legal strategy should therefore focus on rebuilding the evidentiary chain rather than assuming the claim is lost.

What If the Insurer Alleges Fraud?

Fraud allegations are extremely serious.

An insurer may raise concerns where it believes:

• Inventory quantities were inflated
• Fake invoices were submitted
• Stock was removed before the incident
• The fire was intentionally caused
• Theft was staged
• Damaged products were already obsolete
• Multiple claims were made for the same goods

Foreign companies facing such allegations should avoid informal or inconsistent explanations.

A coordinated response involving legal counsel, accountants, technical experts, and relevant company personnel may be necessary.

Where a criminal investigation is opened, statements and evidence submitted during the insurance process may become relevant to the criminal proceedings.

Can Business Interruption Losses Also Be Claimed?

Potentially, but only where appropriate coverage exists.

Damage to stock may stop operations because a company cannot:

• Fulfil customer orders
• Continue production
• Maintain supply contracts
• Operate distribution activities
• Supply retailers
• Meet export commitments

Business interruption or profit-loss coverage may protect certain financial losses resulting from interruption caused by insured property damage.

The currently published general conditions for fire-related loss-of-profit insurance state that, where covered property such as buildings, machinery, equipment, fixtures, or stock suffers damage from a risk insured under the relevant fire insurance contract, resulting business interruption losses may be covered within the applicable policy terms.

Physical stock damage coverage and business interruption coverage should therefore be examined separately.

Can Lost Profit Be Claimed Under a Normal Stock Policy?

Not automatically.

The insurer may compensate the physical inventory loss without compensating lost sales or profit.

Separate business interruption coverage may be required.

Companies should review whether their insurance portfolio covers:

• Gross profit loss
• Continuing fixed expenses
• Additional operating expenses
• Temporary premises
• Increased logistics costs
• Supply-chain interruption
• Customer loss

A warehouse fire can produce a business interruption loss far larger than the physical stock loss.

Can the Insurer Reduce Compensation Because Some Stock Can Be Salvaged?

Yes, salvage value can affect the final compensation amount.

However, disagreements frequently arise over whether damaged goods genuinely retain commercial value.

For example, stock may technically exist but no longer be sellable because of:

• Smoke contamination
• Water exposure
• Packaging damage
• Loss of certification
• Hygiene requirements
• Customer specifications
• Warranty restrictions
• Regulatory rules

The insurer should not automatically assign theoretical salvage value to stock that cannot lawfully or realistically return to the market.

Independent specialist evidence can be important.

Can the Company Sell Salvaged Goods?

This should be approached cautiously.

Selling, destroying, or transferring damaged inventory before the insurer and necessary experts have completed their examination may create evidentiary problems.

The company should establish a written salvage protocol addressing:

• Inventory identification
• Photographs
• Quantity
• Condition
• Valuation
• Disposal
• Sale proceeds
• Regulatory requirements

For regulated products, destruction may require additional documentation.

What If the Insurer Makes a Very Low Offer?

A company is not necessarily required to accept an insurer’s first settlement offer.

Before accepting, it should compare the offer against:

• Actual inventory quantity
• Correct valuation method
• Policy limit
• Deductible
• Underinsurance calculation
• Salvage deduction
• Currency conversion
• Additional insured expenses
• Applicable interest

A low settlement can result from incorrect valuation rather than a genuine coverage dispute.

Be Careful With Full and Final Settlement Documents

Insurers may request execution of release or settlement documents before payment.

The legal effect should be reviewed before signature.

A document stating that the insured has received full and final compensation and has no further claims may affect attempts to recover additional amounts later.

This is particularly important where part of the loss remains uncertain or business interruption calculations are still ongoing.

Can a Foreign Company Challenge a Rejected Warehouse Insurance Claim?

Yes.

A rejection letter should not automatically be treated as the final legal determination of the dispute.

Depending on the circumstances, possible steps may include:

• Written reconsideration request
• Formal demand for payment
• Independent expert examination
• Insurance Arbitration proceedings
• Commercial litigation
• Claims for applicable interest
• Claims against third parties responsible for the damage

The most appropriate route depends on the insurer, policy, dispute amount, contractual provisions, and evidence.

Insurance Arbitration in Turkey

Where the relevant legal conditions are satisfied, insurance disputes may be submitted to the Insurance Arbitration Commission.

For 2026, significant changes apply to the monetary thresholds used in insurance arbitration. The Commission states that disputes of TRY 35,000 or more may generally be challenged once through the Commission’s objection procedure, while objection decisions concerning disputes exceeding TRY 383,000 may be subject to appeal before the Court of Cassation. Disputes reaching TRY 122,000 or more are subject to the applicable arbitral-panel requirement.

A regulatory change published on March 19, 2026 also clarified that the monetary limits applicable to objection and further appeal are determined according to the limits in force on the date the arbitration application was filed.

Because these limits may change, they should always be checked as of the filing date.

How Long Does Insurance Arbitration Take?

The Insurance Arbitration Commission states that applications first undergo preliminary review and that cases transferred to insurance arbitrators are generally required to be decided within four months, unless the period is extended with the express written consent of the parties.

For high-value commercial warehouse disputes, technical and accounting expert examination may still be required.

Speed should therefore not replace careful claim preparation.

Can the Foreign Company File a Commercial Lawsuit?

Depending on the dispute and applicable procedural requirements, commercial litigation may also be available.

Court proceedings may be appropriate where the case involves:

• Very large stock losses
• Complex policy interpretation
• Fraud allegations
• Multiple insurers
• Extensive forensic accounting
• Fire causation disputes
• Underinsurance
• Multiple warehouse locations
• Business interruption
• Related third-party liability claims

Expert evidence frequently plays an important role because courts may need assistance in determining both the amount of inventory and the cause of the loss.

Can Interest Be Claimed for Delayed Insurance Payments?

Potentially, yes.

If insurance compensation has become due but the insurer does not pay, default interest may become part of the dispute.

The relevant dates should therefore be documented carefully, including:

• Date of loss
• Date of claim notification
• Date documents were submitted
• Date of insurer’s expert investigation
• Date of rejection
• Date of formal demand
• Date of any partial payment

For multimillion-lira warehouse claims, delayed-payment interest can become financially substantial.

Can the Warehouse Claim Against a Security Company?

Possibly.

If stock was stolen because a contracted security company failed to perform its obligations, the warehouse operator may have a separate contractual or tort claim.

Issues may include:

• Guards leaving their positions
• CCTV monitoring failures
• Alarm failures
• Failure to respond
• Unauthorized access
• Failure to follow security protocols

If the insurer pays the insured loss, subrogation rights may also affect subsequent recovery against responsible third parties.

Can the Warehouse Claim Against a Logistics Provider?

Yes, depending on the contractual arrangement and cause of the loss.

A third-party logistics operator may potentially be responsible where stock is lost or damaged while under its custody.

Relevant issues include:

• Warehouse contracts
• Limitation-of-liability clauses
• Inventory receipts
• Custody obligations
• Security standards
• Negligence
• Insurance arrangements
• Subrogation

The insurance claim and third-party liability claim should be coordinated carefully.

What Documents Should a Foreign-Owned Warehouse Preserve?

A strong claim file may include:

• Full insurance policy
• Endorsements
• General conditions
• Premium payment records
• Warehouse inventory schedules
• Purchase invoices
• Import documentation
• Customs declarations
• Supplier agreements
• Delivery notes
• ERP records
• Warehouse management records
• Stock-count reports
• Photographs
• CCTV recordings
• Security logs
• Alarm records
• Fire-department reports
• Police reports
• Loss-adjuster reports
• Independent expert reports
• Accounting records
• Bank-payment evidence
• Salvage records
• Replacement quotations
• Customer orders
• Business interruption calculations

The company should establish a single controlled evidence repository as soon as a major incident occurs.

Practical Strategy for High-Value Warehouse Claims

For a substantial damaged or stolen stock claim in Turkey, foreign companies should normally address four questions simultaneously.

First, coverage: does the policy cover the cause of loss?

Second, quantity: how much inventory actually existed and how much was lost?

Third, value: what valuation method applies under the policy?

Fourth, procedure: what must be done to preserve the right to payment and challenge rejection or underpayment?

Ignoring any one of these questions can materially weaken the claim.

Frequently Asked Questions

1. Can a foreign-owned company claim warehouse insurance compensation in Turkey?

Yes. Foreign ownership does not normally prevent a Turkish company or another properly insured entity from claiming compensation for covered warehouse stock losses.

2. Can stolen inventory be covered by insurance?

Yes, where theft coverage has been purchased and the circumstances of the theft satisfy the policy requirements. The applicable theft insurance framework recognizes specified methods of unlawful entry and theft, subject to policy terms.

3. What if the insurer says there is no proof of how much stock was stolen?

The company may establish inventory through accounting records, ERP data, customs documentation, purchase invoices, delivery records, warehouse-management systems, CCTV evidence, and independent forensic accounting.

4. Can fire-damaged stock be compensated even if it was not completely destroyed?

Potentially, yes. Partial physical damage, smoke contamination, water damage, or loss of commercial usability may be relevant depending on the policy and evidence.

5. Can the insurer reduce payment because the warehouse was underinsured?

Potentially, yes. Underinsurance provisions may reduce compensation where the insured value was below the value required under the insurance contract.

6. Does warehouse insurance automatically cover business interruption?

No. Lost profit and operational interruption generally require appropriate business interruption or profit-loss coverage. Fire-related profit-loss insurance can protect qualifying interruption losses where the underlying insured property damage and policy requirements are satisfied.

7. Can a foreign company challenge the insurer’s loss adjuster?

Yes. Independent accounting, engineering, valuation, fire investigation, or security evidence can be used to challenge the insurer’s assessment.

8. Can a rejected warehouse insurance claim go to Insurance Arbitration?

Potentially, yes, where the statutory and procedural requirements for the relevant insurer and dispute are satisfied. The applicable 2026 monetary limits and filing rules should be checked before proceedings are commenced.

9. Should stolen or damaged stock be disposed of immediately?

Normally, evidence should first be preserved and the insurer should be given an appropriate opportunity to inspect the goods, unless immediate disposal is necessary for safety, regulatory, or loss-mitigation reasons.

10. When should a foreign company instruct an insurance lawyer?

Legal assistance should be obtained as early as possible after a major warehouse loss, particularly where the insurer disputes coverage, alleges underinsurance or fraud, challenges the amount of inventory, delays payment, or offers substantially less than the documented loss.

Legal Support for Foreign-Owned Warehouses and High-Value Insurance Claims in Turkey

A fire, flood, theft, or other serious warehouse incident can destroy millions in inventory within hours and may also interrupt an entire manufacturing, import, export, or distribution operation. Insurance disputes become particularly complex when the insurer challenges stock quantities, valuation, ownership, security measures, underinsurance, or the cause of the damage.

Fırat Fesih Kaya Law Office provides legal assistance to foreign investors, manufacturers, exporters, importers, logistics companies, warehouse operators, wholesalers, retailers, industrial companies, and other commercial policyholders pursuing high-value insurance compensation in Turkey.

We assist clients with warehouse stock claims, theft claims, fire and water damage, disputed inventory calculations, underinsurance, rejected and underpaid claims, independent expert evidence, insurer negotiations, Insurance Arbitration proceedings, commercial litigation, business interruption claims, and recovery from responsible third parties.

Early legal involvement can help preserve physical and digital evidence, secure reliable inventory calculations, challenge incorrect insurer assessments, and prevent substantial loss of compensation rights.

Phone: +90 312 434 22 22
Mobile: +90 532 769 22 22
Email: info@firatfesihkaya.av.tr
Address: Yıldırım Tower, Mevlana Boulevard No:221, Office No:148, 06520 Balgat, Çankaya, Ankara, Turkey

This publication is provided for general informational purposes and does not constitute legal advice. Every warehouse insurance claim should be evaluated according to the individual insurance policy, endorsements, cause of loss, inventory evidence, valuation method, insured limits, and applicable law at the date of the incident.