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LIVING IN FRANCE

Daily dilemmas: Would you prefer life in a French ville or a French village?

If you tried to sum up France in a single scene it would probably be either the Haussmanesque streets surrounding the Eiffel Tower or the tranquil rural surroundings of a vineyard. Yes, the urban v rural divide is alive and well in France.

Daily dilemmas: Would you prefer life in a French ville or a French village?
Photo: AFP

In an attempt to settle the question once and for all, we asked readers of The Local what they preferred.

On Twitter the scores were practically neck and neck with just 51 percent rooting for the town.

 

While over on Facebook the results were reversed, with village taking a strong lead at 64 percent.

 

Hundreds of people voted, but many more were undecided or thought both had merit.

READ ALSO


Fancy life in a rural Chateau? Photo: AFP

Michael Storey said: “I like the idea of the poll, but surely the choice is more subtle than that? For example, we live in a small hameau now, for its large garden and barns, but as we get older, we will move to a local town with amenities, but never to a large city.”

While Corinne Harden Podawiltz said: “I'd choose to live in a quaint French village for peace & tranquility, but on the outskirts of a big city for easy access to entertainment & fun activities that can be found there.”

Plumping firmly for city living, Chris Georgiou said: “All the villages are dead there's nothing moving in the streets summer or winter.”

But country living fan Tess Meijer said her village was “alive in the winter, very alive in the summer.”

In terms of tourism, cities dominate the market, in particular Paris, which had 23 million visitors last year.

But rural and seaside France is also a highly popular visitor destination with gite holidays, camping holidays, cycling holidays and canal boat holidays all representing a huge market.

READ ALSO The jobs you can do if you live in deepest rural France

In terms of where people choose to live, Paris again came out in front, unsurprisingly for the capital city where many jobs are based, but the more rural west of France – Brittany and Normandy – and the south west – especially the Dordogne and Charente – are both highly popular with both people who own second homes in France and people making the move permanently.

The major factor that influences whereabouts in France people live is whether they come here to study, work or retire.

Jobs and universities tend to be clustered in the cities, so many students end up in Lyon, Toulouse, Rennes and of course Paris.

While the countryside is undeniably beautiful, employment opportunities can be scarce so it is more common for retirees or people running their own business to move there.

But of course circumstances change, and there's probably more than one stressed-out Paris dweller dodging the crowds on the Metro and dreaming of sleepy rural tranquility among the vines.

 

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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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