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Reader question: Where can I find professional help with the French tax declaration?

There are lots of people advertising their services to help with the annual French tax declaration but you need to make sure that anyone you hire has the right qualifications - here is how to check.

Reader question: Where can I find professional help with the French tax declaration?
Photo: Photo by Tim Gouw on Unsplash

Question: I need some help with the annual French tax declaration and I’ve seen all sorts of different self-proclaimed experts offering their services, but what should I be looking for when I instruct someone in this area?

Unlike in the UK where swathes of the population including salaried employees and pensioners are generally exempt from filing a tax return, in France almost everyone has to complete the annual tax declaration – even if they don’t owe any tax.

READ ALSO Who has to fill in a tax declaration in France?

And the combination of complicated tax jargon and French bureaucracy is enough to strike fear into the hearts of many. So where can you get help?

Online

There are lots of English-language guides to French tax forms and the French tax website even has a section in English to help out foreigners.

You can head to The Local’s Tax Declaration section where we’ve put together series of guides and Q&As with experts including on the 2021 deadlines, who has to declare, what you need to tell the French taxman about and some handy vocab for the form.

The tax declarations have now moved online and once you have registered and filed for the first year, the process is relatively straightforward.

Professional help

But if you feel that your French is not up to the task, or your financial affairs are very complicated or you’d just rather hack off your own foot than spend an afternoon filling in French tax forms, you might prefer to pay someone to help you.

There are lots of people who advertise their services in this area, particularly in forums or online groups for foreigners, but be careful that you hire someone with the correct qualifications.

We asked chartered accountant Faten Amamou for her tips.

She said: “French tax returns can seem complicated, but if your financial affairs are straightforward, you can probably file your own. The calculations will be worked out for you, so you don’t need to do any complicated mathematics.”

But if you’re looking for professional help you have two main options – an expert comptable or a fiscaliste.

Faten said: “Tax authorities recommend that you fill your individual and household tax returns with an expert comptable.

“This assures them your tax return will be accurate, and they have a knowledgeable point of contact for any questions.

“You can also use a fiscaliste – or a tax-specialist lawyer (avocat). But note that for business tax returns (liasse fiscale) based on bookkeeping, only expert comptables can advise you, not tax lawyers.

“If your French is very good, you can call the tax helpline on 0809 401 401.

“Or if you have a fluent friend who can go with you, you can also make an appointment at your local tax office (centre des impôts) with an adviser who can explain how to fill in the form and answer any questions about it.

“But in both cases, they cannot give financial advice and can only answer questions about the form.

“There are some translators and other non-registered professionals who will offer to help you fill in your tax return, and I have seen people landed with some hefty tax bills, fines and even jail because of poor advice. If anyone offers to help you with your tax return, check that they are either a lawyer or an accountant registered HERE

“You can also use that form to find a qualified local accountant, or Google ‘Expert-comptables English-speaking’ to find bilingual accountants. But do double-check they are registered at the website above before using them.

“If someone is offering you accounting services and they aren’t registered on that site, then there’s also a link to report them to the authorities.”

Faten Amamou is a Chartered Accountant in France at ESCEC International and member of the Institute of chartered accountants in France (ordre des experts-comptables). Fluent in English, French and Arabic she provides accounting services to both individuals and businesses, and specialises in helping foreign entrepreneurs set up their business and careers in France. Find out more here.

Member comments

    1. This response is only nine months late but I’m advised the strictly applicable exchange rate is when the actual transaction takes place. However the French tax office also issues an official global rate for the year around when the tax forms are issued or shortly before on-line returns are due.

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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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