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LIVING IN FRANCE

France launches new website to offer helping hand with dreaded bureaucracy

One thing that never ceases to amaze and annoy foreigners in France is the famously cumbersome bureaucracy the country specialises in - but things are set to get a little easier on the paperwork front.

France launches new website to offer helping hand with dreaded bureaucracy
Help is at hand for the dreaded French forms. Photo AFP

Hot on the heels of bringing in the 'right to make mistakes', the French government has now launched a new website designed to help people filling in official forms.

The new 'Oups.gouv.fr' website offers a guide through the often confusing world of filling out forms, plus a section on common mistakes to avoid.

“For once, the French administration is well aware of its complexity,” a ministerial adviser told Europe 1 radio. “We have done everything to make it clear and educational.”

READ ALSO The revolution in French bureaucracy that you need to know about

Of course French people too find filling out official forms difficult, but it is especially hard when French is not your first language and the wording on the forms themselves is often highly technical and complex.

The government says the new site aims to “improve relations between the public and the administration.”

It's main aim is to highlight the most common mistakes members of the public and professionals make when dealing with paperwork and explains to users how the can be avoided.

It offers guidance on some of the most common declarations that people have to make, from declaring your income for your tax return to claiming benefits or a pension or registering the birth of a child. 

With a simple layout and straightforward design it is also easy to navigate, unlike some other French government online portals, and there is even a video where an earnest young man explains some of the most common mistakes people make when filling out the forms.

It's the latest move by the government in an ongoing effort to detoxify the image of the French bureaucracy, which includes last year's introduction of the official right to make a mistake on a French form.

The new law was part of President Emmanuel Macron's election manifesto and was designed to thaw the often frosty relationship the French have with their bureaucrats.

The crucial difference is that people will no longer be subject to financial penalties if they make an honest mistake on their forms, instead it will be up to the authorities to prove malicious intent.

So for example if you tell the tax man that you live alone but you actually live with your partner that will still be seemed as fraud, but if you incorrectly calculate a certain section of your tax return, you won't automatically be fined.

The exemption does not apply to missing deadlines for filing things like tax returns, however.

To check out the new website, click here.

 

 

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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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