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LIVING IN FRANCE

On the agenda: What’s happening in France this week?

Here's everything that is happening in France on the week beginning May 31st.

Published: 31 May 2021 10:30 CEST

On the agenda: What's happening in France this week?

Photo: Joel Saget/AFP

Monday, May 31st

The Covid vaccine programme opens up to all over 18s in France. The priority groups have now ended so all adults living in France can now book an appointment for their vaccine.

READ ALSO How to book a vaccine appointment in France

France tightens up its travel rules for arrivals from the UK. From Monday, travellers must provide an essential reason for their journey, ruling out holidays and visits from second-home owners. France follows in the footsteps of Germany and Austria in tightening its rules over fears of the ‘Indian variant’ of Covid.

READ ALSO Everything you need to know about travel between France and the UK

Tuesday, June 1st

The end of the trève hivernale, which bars landlords from evicting tenants in rent arrears. The ‘winter truce’ usually ends in March, but this year has been extended because of the financial hardship caused by the pandemic.

MPs in the French parliament debate bills on anti-terror legislation and the extension of IVF treatment.

Wednesday, June 2nd

France’s highest court considers the long-running case of Patrick Balkany, the former mayor of a Paris suburb convicted in 2019 of corruption offences.

France play Wales in a pre-Euro2020 warm-up friendly in Nice, marking the slightly controversial return of Karim Benzema to the French national squad.

Regular meeting of the Defence Council to consider the health situation and whether extra restrictions – including tougher travel rules – are required

Thursday, June 3rd

Organisers of the Cannes Film Festival give a press conference to explain to details of this year’s festival, which is returning after a cancellation last year.

Friday, June 4th

Senate considers the bill of combating climate change.

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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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