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‘Italians are often pessimistic, and some of the stereotypes are true’

Nico and Stef Smulders moved to Italy from the Netherlands, and eventually a temporary stay turned into a permanent move. The Local speaks to Stef about the sometimes frustrating, sometimes funny aspects of moving abroad, which are the subject of his newly published book.

'Italians are often pessimistic, and some of the stereotypes are true'
Stef and Nico moved to Italy from the Netherlands. Photo: Private

What made you decide to move to Italy, and specifically Pavia?

There was no specific moment when we decided to move permanently. When I was studying at Utrecht University in the Netherlands, they required me to do a six-month stay abroad, so I went to Pavia. 

The Oltrepò Pavese region where we live now, about 30 km south of Pavia itself, in the hills and amidst the vineyards, we discovered accidentally. It was only then that we started dreaming of moving permanently as the surroundings were so beautiful and completely unspoilt.


Pavia's Ponte Coperto. Photo: Almusaiti/Flickr

What made you decide to collect the stories in a book?

We decided to write a blog from the beginning of our Italy adventure and years later, I thought about writing a book using the material. The stories are intended to inform and amuse at the same time.

Are there any Italian stereotypes you found were true, or perhaps something you learned about Italy that surprised you?

The biggest surprise for me was that I found many Italians to be rather pessimistic and hypochondriac, instead of the jolly sunny characters we usually see in depictions of Italy, where life is supposed to be dolce every day. They often criticize their country. 

The stereotypes about Italians being late and driving like madmen are mostly true, but on the whole Italians are definitely more relaxed and easy going than the Dutch.


Nico and Stef. Photo: Private

Is there anything about Italy that you've really struggled to get used to?

Italians are not decision makers. They'll often postpone plans and change ideas – in a win-win situation they usually end up with a no-win.

There seems to be a fear of making the wrong choice, which is so large that they prefer not to act and let fate decide. The mindset is that in order to avoid disappointment, it is better not have illusions about what you can achieve. 

Were there any moments when you considered giving up and leaving Italy?

No, not at all, even after eight years living here.

What should people know before deciding to make the move?

Learn the language before you go. Choose a region that is populated and not somewhere as isolated as Chianti, for example, where you might feel very lonely in winter. 


 Photo: Private

Below is an extract from the book, Living in Italy: The Real Deal.

With my right foot still on the pavement, the estate agent’s car was already pulling away. Obviously they had no time to waste!

We were going to look at two properties in the Oltrepò Pavese, the area lying south of the river Po which traverses Northern Italy. I sat in the front and the estate agent prattled on in hundred-mile-an-hour Italian. I only understood bits of what he was saying, partly because I was too disconcerted by the traffic which we were navigating with Italian flair.

For the last few weeks, we had lived in the quiet, historical, university town of Pavia. In the next six months, I was going to continue with my MA in Medieval Culture, and my husband, Nico would enjoy his well-earned sabbatical. He was going to hoover, do the shopping and cook, whilst I could immerse myself in times gone by. But there was this secret, unspoken wish that didn’t leave us alone: could we…., what if we…, imagine if…?

And already, just a couple of weeks into our stay in Pavia, we started looking at properties, with the intention of permanently settling down and setting up a B&B! Soon after our arrival in Pavia, we discovered the wine region of Oltrepò Pavese, an area about half an hour’s drive to the south of Pavia. It was love at first sight. What beautiful countryside!

Once we got out of Pavia, the roads became quieter and I was able to follow Olita’s – as he was called – Italian a bit better. He was busy showing off his property know-how and reassuring us about the top quality of the houses we were about to see. If there was anything not to our liking, it could be easily sorted, without any additional costs, he said. He had already made an agreement with the owners.

“Non ci sono problemi!” he exclaimed with much enthusiasm. If we didn’t like the colour of the house, it could be painted over, before completion, in any colour at all, even violet, maintained Olita. “Non ci sono problemi!” And the garden that had become a jungle from months (probably years?) of neglect would be completely cleared out, just for us.

We took in the landscape in front of us: it was mainly flat, covered in rice fields (growing the famous Italian risotto), farmland and poplar plantations, as far as the eye could see. Along the country road, we were driving past settlements: an endless mish-mash of houses and farm buildings of all shapes and sizes. We raced through small villages with stores, restaurants and cafés. Olita was consistently indifferent to the numerous white traffic signs warning of upcoming speed cameras. Did his employer pay the fines? Or was it going to become a hidden charge on our bill?

We were fully aware that we were going to have to pay Olita commission if we were to buy our house through him. We had done our homework in the Netherlands and were well-prepared for all the traps that a would-be house buyer could fall into when trying to buy a house in Italy. We were on high alert! Olita, unaware of my misgivings, drove on at full speed.

We reached Ponte della Becca, the one kilometre long iron bridge built in 1912 that spans the merging of the Po and the Ticino. The Oltrepò stretched on the other side, flat at first, but soon undulating with hills. There in the distance our dream house was waiting for us somewhere.

We saw the first vineyards appearing here and there. On one of the hillsides we spotted a remarkable-looking castle and we inquired about it from our local regional expert, a.k.a. Olita.

“Which castle is that?” we asked full of curiosity. He didn’t know. But “Non ci sono problemi,” he would investigate and let us know. Maybe our house was not going to be violet after all.

It soon became apparent why Olita was in such a hurry: he was lost and was zooming up and down the hills in search of familiar landmarks. Against all expectations, we managed to find our chosen house, which didn’t look as perfect as we at first had thought, not even if Olita would have it painted violet. On one side it leant against a slope, and the other side was blocked from view by an unsightly shed. The garden was no bigger than a postage stamp.

What a shame. Luckily, on the advice of Olita’s Agenzia, we had also made an appointment to view another property that was on offer at a bargain price. This second house didn’t look appealing in the brochure: a faded grey concrete block without any character. But now that we were here…we might as well take a look.

 

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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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