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‘Stockholm needs more housing – not fewer students’

Sweden's housing minister is wrong to single out students as the solution to help alleviate pressure in Stockholm's housing market, argue Young Moderates Veronica de Jonge and Edvin Alam.

'Stockholm needs more housing - not fewer students'

Sweden’s housing minister Stefan Attefall on Wednesday told potential students that they should avoid studying in Stockholm to ease pressure on housing in the Swedish capital. He even went as far as to propose cutting the number of student places in the city.

These comments are absurd and threaten the region’s future growth – and with it jobs and public services.

We agree that other municipalities, universities and colleges should do more to kick-start the building of student housing. It is unreasonable for the City of Stockholm to bear the entire burden: all the municipalities of Stockholm County have to make their contribution.

At the last election, we in the Moderate Party promised to build 4,600 new student apartments during the following term. This was a worthy aim, but population growth in the Stockholm area means that this target needs to be revised upwards to at least 30,000 new student homes by 2018.

Suburban municipalities in the Stockholm area also need to take some initiative. The overall housing shortage in Stockholm is a serious threat to growth, but the shortages of student housing could lead more people to choose to study elsewhere, meaning we will lose important talent and future growth.

We often say that ‘Sweden grows when Stockholm grows’. When Stockholm shrinks, you can imagine the consequences.

We now need the YIMBY-coalition to advance. Even in this growing metropolitan area there are plenty of people who think Stockholm is full – and who will use various means to appeal.

According to Stockholm mayor Sten Nordin, the various appeals processes will lead to building projects being delayed by an average of one year. We need to review the right to appeal and speed up decision-making processes. We also need Moderates who dare to fight for the building of new, green residential areas.

As well as making it easier to build, it also needs to be made cheaper to build and live in student housing. The centre-right parties, led by housing minister Stefan Attefall, need to reduce costs by abolishing property tax on student housing and by halving the value added tax (VAT) on construction in general, thus making it cheaper for construction companies to build more housing.

We want the whole of Stockholm to continue to develop, both the city centre and the suburban municipalities, so that people with dreams and ideas can move here.

Stockholm needs to be a region where people’s desire to educate themselves and generate ideas helps create new jobs and better public services.

The problem is not that there are too many students in Stockholm – the problem is that the rising population is not being matched by more housing.

Veronica de Jonge

Chairperson, Moderate Students at the Royal Institute of Technology (KTH)

Edvin Alam

Member of the Moderate Youth (MUF) working group for labour market policy

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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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