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IMMIGRATION

Rebels without a cause: why Italy is angry

Italians pay some of the highest taxes in Europe, yet they get little in return. This was just one of the myriad of reasons thousands took to the streets of Rome last weekend.

Rebels without a cause: why Italy is angry
Graffiti in Rome: 'The crisis will not end. Revolution now'. Photo: Rosie Scammell/The Local

Two years into a recession and with a fragile coalition government at the helm, often too busy squabbling to implement policy, many Italians have had enough.

Taxes remain high yet cuts are commonplace, hitting everything from housing to education. As a result, thousands of Italians decided to take their frustration to the streets, in a last-ditch attempt to call the government to action.

“We pay taxes and we want services – healthcare and schools, not the railway,” a protester from Turin told The Local. The man, who declined to give his name, had travelled to Rome as part of the ‘No TAV’ group which opposes a high-speed rail line through the Alps.

While the railway itself will have an environmental impact as it carves through the Susa Valley, linking Turin and Lyon, the protester was more concerned by the cost of the project. The money should be directed towards schools, he told The Local, where textbooks are in short supply as education funds dry up.

Through the thronging crowds ran further frustration, focusing on multiple issues including health. "The healthcare system is not free; poor people always have to pay something," said Cristina Sipescu. The government was better under Mario Monti than the current leadership, she added.

Some took on a more revolutionary approach, weary with the political elite and economic crisis. "We're here to change the capitalist system that we have to live with every day," said protester Silvia, from the southern Campania region.

People fighting for the right to housing were out in force during the march. The red “La casa si prende” slogan (below), calling on people to reclaim housing, appeared on flags, banners and walls.

With unemployment still at 12 percent, many people have turned to squatting in abandoned buildings as they can no longer afford their rent or mortgage. Some buildings are taken over by students unable to pay rent while they study, while others are filled with families.

Vanessa, a protester pushing a pram along Rome’s Via Merulana, said she too had been forced to move into a squat. “We want council housing,” she told The Local.

After the crowds made their way through the capital, a few hundred decided to stay on the streets and camp out on a busy road at Porta Pia.

The tents stayed up until Tuesday, when the protestors met Transport and Infrastructure Minister Maurizio Lupi to talk about housing rights.

Ahead of the meeting, Lupi tweeted that the topic is now a government priority. A €140 million housing plan would soon be introduced, the minister said, while €40 million will be set aside to help recently-unemployed people who are temporarily unable to pay rent.   

Immigrant issues

As thousands of Italians took to the streets, they were joined by a number of communities including the Roma and migrants from East Africa.

Along with Italians, the Roma community was campaigning for the right to housing. “Enough of the Roma camps. We also have dignity and the right to a house” read one banner (below). There are around 40,000 people, mainly part of the Roma community, living in camps in Italy, according to government estimates.

"We don't have homes. I've been here for 30 years, I'm a citizen of Rome but they say we have to live in camps outside the city," said Aidemi Dudi, originally from Serbia and part of a Roma community.

A 2012 government report admitted that the camps policy, in which people are “forcibly compelled to live in areas at the margins of urban centres”, has fueled the housing problem.

Italy’s immigrant population also attended the Rome march to campaign for refugee rights. “The Dublin law must be respected” read one sign (below), referring to the EU law which governs the way countries manage asylum seekers.

"We don't have homes or jobs. We are refugees but we don't have refugee rights," said Seltene Asefaw, an Eritrean who arrived in Italy by boat two years ago.

Prime Minister Enrico Letta has admitted Italy is struggling to cope with the number of refugees arriving. On Tuesday, he made an appeal to the EU for a regional approach to the issue, following the deaths of over 400 migrants who drowned when their boats sank off the coast of Italy.

Asefaw is was one of 1,000 Eritreans in Rome and part of an immigrant community that wanted to become part of Italian society. “We want integration; many Eritreans have been here for 20 years are are not integrated with the people of Rome," he told The Local.

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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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