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PROPERTY

Homeless in Uppsala: a foreign student’s tale

More than a month after arriving in Sweden for the start of the academic year, many foreign students are still struggling to find permanent housing. Contributor Amy Keresztes, an American studying at Uppsala University, shares her tale of frustration.

Homeless in Uppsala: a foreign student’s tale
Students congregate on a lawn at Uppsala University

KAOS,” screamed the cover of “Ergo”, the Uppsala University newspaper, with a photograph of a jumbled queue in front of one of the student unions.

“Housing crisis worse than ever!”

I had been warned. “The system is impossible, even for us,” complained a native Swede who has been in the queue for the housing group Dombron for three years.

I’m used to finding apartments in Boston, which involves trawling through listings until you find one that seems decent and calling the landlord. I could probably find an apartment in Boston in less than a day, any time of year, and move in immediately.

Obviously, I knew things wouldn’t be that simple here. I’ve lived in Uppsala before as an exchange student, and housing was easy. My home university made all the arrangements; I simply had to show up and move in. (I miss those days.)

The problem with the international application process is that I didn’t receive my official acceptance to my masters programme at Uppsala until early May, which meant that my visa wouldn’t be approved until several months later. I had considered moving to Sweden immediately after my graduation and spending the summer traveling and looking for a place to live. But my visa wasn’t coming until the end of August, so I was forced to stay in Boston and attempt to do everything online.

I had registered for accounts with the major housing companies in the winter, in anticipation of outrageous queues and point requirements. But of course, when I’m in queues with native Swedes who have been registered for years, how much of a chance do I stand?

Every time I clicked “interested” on a room (absolutely any room) I would wait a few days and see the message (roughly translated) “this has gone to another seeker. Your place in the queue was 509.” I knew things were bad when I felt a jolt of elation at having a queue number that was under 100. Another problem; many websites don’t allow you to register unless you have a Swedish personnummer (personal identity number), which you can’t get until you have a Swedish address, which you can’t get until you have a residence permit, och så vidare.

In June, I thought I had found the perfect place from a local website, which turned out to be a scam. I was crushed, but relieved at having discovered it in time instead of showing up, all my worldly possessions in hand, to a nonexistent apartment. Back to square one.

In July, my Swedish friends asked everyone they knew for housing tips, and came up with a room for rent in an apartment near the university. But after I arrived on August 21st, I didn’t hear back from the girl I was supposed to contact for two weeks.

She replied with the following message: “My flatmates don’t want to live with someone under 25. Good luck finding an apartment!” (I couldn’t help but read that last line sarcastically.)

So crashing with my ex it was.

It will only be a few days. Something will open up, I told myself.

The next morning I went straight to the Student Union to inquire about my options. The woman I spoke to offered this gem of advice: to look at a website which contains postings for sub-letters and roommates, and “sit on it all day constantly refreshing the page.”

Do I get to have a bathroom break, I wondered.

She also informed me that the University was generously providing emergency housing for foreign students, but that there were “about 300 people in the queue” ahead of me. And as a last resort, I could “sleep in a church- but for one night only.”

On a positive note, my housing-related vocabulary has greatly improved. For the first two weeks I sent at least five e-mails a day to various people who were renting out rooms, desperately hoping to bypass the queue system and find the perfect place. I was lucky if I got so much as one “sorry it is already taken” message for every 20 meticulously checked-and-double-checked Swedish messages.

The hundreds of displaced students have been taking it remarkably well, maintaining faith that things will magically “open up.” I’ve been offered everything from couches to living room floors.

I know someone who has been regularly sleeping in the cathedral yet still manages to make it to class neatly dressed.

I met another guy who arrived in Uppsala, went to an orientation, and asked the first person he saw if he could sleep on his floor. Many students are living in trailers and tents on city camping grounds. We’re finding creative ways to cope.

There is some understandable bitterness: I’ve heard horror stories about foreign students who were accepted at Uppsala, only to withdraw after not finding housing. An exchange student friend bluntly remarked: “Uppsala is completely ridiculous. Why accept students you don’t have room for?”

It’s a great question. And students all over the country are asking it loudly, from Stockholm to Lund. But along with the bitterness, there’s a sort of resigned camaraderie. We’re all in it together, Swedish and foreign.

I have been encouraged to give up and fly back to Boston.

“Why would you want to stay somewhere without a home, and with no prospects for one?” asked one friend.

I have to admit I’ve considered it. I could defer admission from the programme for a year, work in the States and try to secure a real apartment here before coming back.

Even as I write this, I have no home. I snagged a room in a small hostel near the center of town, but must move out tomorrow.

The thing is, I have a bit of a crush on Sweden. I love müsli with filmjölk, recycling, riding my bicycle everywhere, and walking a few kilometers out of the city and ending up in a forest. So I’m not giving up so easily. And if I can be this happy without a room of my own, imagine how I’ll feel when I manage to find one.

Postscript: Shortly after submitting her essay, Amy managed to find accomodation on a farm 8 kilometres outside of Uppsala and hopes to be able to call it home at least through the winter.

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PROPERTY

How to ensure your French property is insured for storm damage

Storm Ciaran’s property-wrecking passage through France - with another storm forecast for the weekend - may have many people wondering how comprehensive their insurance cover is. 

How to ensure your French property is insured for storm damage

In the wake of Storm Ciaran, thousands of property owners in France are preparing insurance claims – with initial estimates of the bill for damage between €370 million and €480 million.

Home insurance is compulsory in France, whether you own the property you live in or you rent – and it must include some level of storm damage cover. 

Check also to see if your insurance provides cover in case of a declaration of a catastrophe naturelle.

The garantie tempête (storm guarantee) covers damage caused by violent winds. What constitutes a ‘violent wind’ varies from contract to contract, but there appears to be a widespread consensus of agreement on wind speeds over 100km/h.

In most insurance contracts, this covers damage caused by the storm and within the following 48 hours – so you’re covered if, for example, a tree weakened by the storm comes down within that period and damages your property.

Be aware that, while the storm guarantee automatically covers the main property, it generally only covers any secondary buildings and light constructions – such as a veranda, shed, solar panels, swimming pool or fence – if they are specifically mentioned in the contract. 

The same is true of any cars damaged by debris. A basic insurance contract might not include storm damage, so it is always worth checking.

Damage must be reported to your insurer as quickly as possible. The deadline for making declarations is usually five days after any damage is noticed. This is especially important for second home owners, who may not be at the property when the damage occurs. 

In some cases – such as in the aftermath of Storm Ciaran – insurers may extend the reporting period. But under normal circumstances, it’s five days after the damage has been discovered.

What happens next

To make a claim, the first thing to do is contact your insurer by phone or email. Your insurer will take you through the next steps, but usually you have to send in a declaration – which should include an estimate of any losses and for any repairs, with evidence where possible, such as photographs and any receipts for purchases. 

Your insurer may also request proof of wind intensity, which can be provided for example by a nearby weather station.

The insurance company may appoint an expert to come and assess the damage, so make sure to keep damaged property safe until they arrive, as well as all invoices for any urgent repair work. 

What if you’re a tenant?

If you rent your property, you must report any damage inside the accommodation to your insurer and also notify your landlord so that they can file their own claim. 

In the case of a co-propriete, you must declare damage inside the accommodation to your insurer, while the trustee sends his own declaration to the collective insurance (which sometimes covers the private areas) .

How long does it take for claims to be settled?

Payment of the compensation provided for by the “storm guarantee” depends your home insurance contract. After the insurer has estimated the amount of damage, compensation is generally paid between 10 and 30 days following receipt of the insured’s agreement.

What if we got flooded?

In the case of flooding, you may have to wait for a natural disaster order to be issued. 

Catastrophe naturelle

The ‘state of natural disaster’ is a special procedure that was set up in 1982 so victims of exceptional natural events, such as storms, heavy rain, mudslides and flooding, as well as drought, can be adequately compensated for damage to property.

The government evaluates each area and deems whether it qualifies for the status of catastrophe naturelle (natural disaster). 

Essentially once a zone is declared a natural disaster, victims can claim from a pot of funds created by all insurers. If the zone is not declared a disaster, insurance companies are under no obligation to pay out. 

Under a “state of natural disaster” residents are covered for all those goods and property that are directly damaged by the phenomenon, in this case storms.

It applies to residential or commercial buildings, furniture, vehicles and work equipment that are already covered by insurance policies.

Homes must be already covered by a multi-risk insurance policy for the status of natural disaster to count.

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