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PROPERTY

Swedish students to live inside steel containers

Shipping containers are set to be rented out to students in a bid to solve Sweden's chronic housing shortage. The Local has spoken to the company behind them - and to one council feeling the housing strain.

Swedish students to live inside steel containers
A 'before' picture of one of the containers that will house Swedish students. Photo: XLNT Living

65 mobile homes are currently being built in Stockholm suburb Sundbyberg. Swedish building company XLNT Living has created the 26 square metre apartments from former steel containers. But the firm's founder, Elman Azari, told The Local that they are just like any other modern newly built home.

“One of our challenges has been to get people to understand that they are in fact be quite decent to live in. They're spacious – a lot more spacious than most student apartments – and they meet all standard requirements in terms of ventilation, light and so on. It's just a question of mindset: inside they're just like any other home. You absolutely don't feel like you live in a nasty, closed container,” he said.

Sweden's housing shortage was a key campaign issue at the last general election. Close to 300,000 young adults between 20 and 27 years of age neither own their own property nor have a long term rental contract.

The current accommodation shortage is particularly acute in the capital Stockholm, where in some parts of the city there is a 20-year wait for apartment seekers. This has resulted in a strong subletting culture, with prices spiralling in recent years despite rules designed to cap rental increases.

“Mobile homes could solve many parts of the housing shortage problem in Sweden today. Politics is the only obstacle. Of course more permanent homes need to be built as well, but in the meantime mobile homes are one solution,” said Anzari.

“The benefit is that you can adapt how many homes you build to the current situation. Say for example if you need to build more refugee housing. Then you can look at 'okay, we think we're going to get X number of refugees this year' and build accordingly. But in five years' time, the world situation may have changed, and then you can adapt to that,” he added.


One of the planned 26 square metre mobile apartments. Photo: XLNT Living

Sweden's housing minister, Mehmet Kaplan, wrote in an opinion piece published by The Local in March that the government's goal is to build 250,000 homes by 2020 to solve the acute housing crisis. His comments were echoed by Prime Minister Stefan Löfven.

“The housing shortage creates social problems. Many young people remain at home for a longer time than they and their parents had thought. People are finding it harder to live their lives. This is a freedom issue," Löfven told reporters last month.

Mobile homes are a common concept in countries with high population density such as the Netherlands and Germany. And in Sweden, one council that has felt the housing strain is Sundbyberg, just outside of Stockholm. It is Sweden's geographically smallest municipality, with one of the country's highest population densities of almost 5,000 people per square kilometre.

“We must try to find all possible ways forward to deal with the housing shortage. It inhibits Stockholm's competitiveness, because it makes it hard to welcome people to the capital,” council chairman Jonas Nygren told The Local on Thursday.

The 65 mobile homes being built is the first stage of 220 planned student homes in Sundbyberg, which includes permanent housing as well as mobile apartments.

Nygren said that one of Sundbyberg's main objectives is to build more homes for young people, but he added that more local authorities need to step up to the plate.

“We are frustrated by the fact that there's so little happening and there are so few innovative solutions. These containers are genius, because they let you use ground were you would otherwise need to wait years to build permanent housing,” he said.

“But ultimately, what will solve the housing crisis is a political will, which is missing in many municipalities. Hundreds of thousands of new homes need to be built in the next few years. In the meantime, these mobile homes are a temporary solution, a complement to everything else that has to be done.”

What do you think of the steel containers? Would you live in one? Post your comments below

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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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