Aabid Veerendra

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Demna Gvasalia (Georgian: დემნა გვასალია dem-NAH gvah-SAH-lee-AH; born 25 March 1981), known as Demna (/dɛmnʌ/ dem-NAH) is a Georgian fashion designer, currently the creative director of Balenciaga and the co-founder of Vetements.

Demna was born in Georgia in 1981, to a Georgian Orthodox Christian family of Georgian father and Russian mother. He fled at age 12, during the 1992-1993 Abkhazo-Georgian war in Abkhazia, and was forced to live in Tbilisi. His family lived in Düsseldorf from 2001 onwards.

Demna studied international economics for four years at Tbilisi State University and later attended the Royal Academy of Fine Arts in Antwerp, where he graduated with a Master's degree in Fashion Design in 2006.

In 2006, Demna collaborated with Walter van Beirendonck on his men’s collections.

In 2009, Demna opened a showroom in Antwerp with Yuima Nakazato and Mikio Sakabe. Demna joined Maison Martin Margiela, where he was responsible for women’s collections until 2013. In 2013, he was appointed senior designer of women’s ready-to-wear collections at Louis Vuitton, initially under Marc Jacobs and briefly under Nicolas Ghesquière.

Together with his brother Guram, Demna launched the brand Vetements in 2014, along with a small group of anonymous friends, displaying their work in small gay clubs in Paris. Demna has said that his original purpose with the brand was to subvert the high fashion status quo. Vetements’ first women’s ready-to-wear collection was presented at Paris Fashion Week in 2014. The collective was nominated for the LVMH’s Young Fashion Designer Prize after producing 3 collections.

In 2015, Demna became the creative director of Balenciaga, succeeding Alexander Wang.

In 2019, Demna left Vetements to pursue new artistic ventures, having accomplished his goals with the company, telling Highsnobiety that he had "accomplished mission of a conceptualist and design innovator."

In August 2021, Demna collaborated with Kanye West, acting as the creative director for West’s second and third Donda album listening event, held at the Mercedes-Benz Stadium.

At the 2021 Met Gala at New York City's Metropolitan Museum of Art, Demna walked the stairs with reality television star Kim Kardashian, both in his head-to-toe body feature obscuring Black Balenciaga designs completely masked, with Vogue offering that events rules had been rewritten.

In November 2022, Balenciaga dropped its holiday ad campaign, featuring children holding teddy bears in leather harnesses and punk costumes, as well a photo that included an excerpt of a document from a court ruling relating to child pornography. The backlash against the images has been swift, with the hashtag #cancelBalenciaga trending across Twitter and TikTok and many accusing the brand and Demna of condoning pedophilia and child exploitation.

Demna developed a unique style as his company, Vetements, grew in size and popularity. Much of Demna's approach still stems from his initial purpose of creating subversive fashion. Collections such as Fall/Winter 2017 included design inspired by archetypes, diverging from the typical haute couture method of radical redesign and avant-garde appearance. Other common themes include baggy, loose-fitting clothing, and street-style jackets. In April 2021 he presented his new Pre-Fall 2021 collection with the Balenciaga brand, marking a new line of design and personal thinking, as promoted by Vanity Teen magazine.

Demna won the International Award for Vetements and Balenciaga at the CFDA Fashion Awards in 2017. He also won the Accessories Designer of the Year award at the Fashion Awards 2018 Gvasalia won the Global Women’s Designer award at the CFDA Fashion Awards in 2021. On September 27, 2021, Georgian President Salome Zourabichvili awarded Demna with the Order of Honor for his contributions to the popularization of Georgia abroad.

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As your home is most likely your largest asset, you want to be sure it is covered adequately, but what is that magic number?  Between the purchase price and replacement cost  - how much coverage should you have on your homeowner's insurance policy?  HPM Insurance hopes to help guide you toward the right answer.

How Much Insurance Should I Have on My NH Home?

Whether you are a new homeowner or someone who has owned a home for years, having the right insurance coverage is critical in protecting your home and investment.  Some estimates show that 58% of houses in the US are under-insured by some 21%! To ensure you are not part of this statistic, here are some things to consider:

When you insure a home, your insurance company may require it to be covered for the replacement cost, and not the purchase price.  The reason is because many factors drive purchase price, such as supply and demand of home inventory and the property's location.  These factors do not necessarily impact the cost to rebuild a home but can significantly add to or reduce a home's purchase price.

Another reason why purchase price and replacement cost vary is because when you buy a house, you are also purchasing land.  Land is not a factor when calculating replacement cost on homeowner's insurance given you would still have the land even if the home were a total loss.

The age of your home is a critical factor in determining its replacement cost.  Many older homes have customized features like solid-wood doors and trim, built-in cabinets and crown-molding that are simply not standard in today's construction and thus cost more to rebuild and insure.

Even if a newer home, you will also want to consider the quality of the home's flooring, cabinetry, counter tops and built in features.  Are the features of your home mostly builder's grade or do you have more customized features such as hardwood and granite?  If you have invested in such features, you will want to ensure it is considered in the replacement cost calculation.

Another consideration are additions or finishing off basements, which can also impact the replacement cost of a house.  It may be time to reach out to your insurance professional to review the adequate coverage amount vs. what is listed on your homeowners insurance.

The insurance company does not want to under-insure your home or over-insure it either.  Like Goldilocks, the company wants it just right.  If you believe your home is over-insured, speak with your insurance professional.   Insurance companies utilize software that can easily calculate the replacement cost of a house by entering data like age of home, square footage, number and style of bathrooms, flooring, etc.  If you strongly disagree with this figure, most companies will consider an independent professional appraisal as well.  If your home is customized and needs someone to do a physical inspection, this too can often be arranged through your company, and often at no cost to you as again, your company wants to adequately insure the house.4.  What does Guaranteed Replacement Coverage mean on my NH Homeowners Insurance policy?

Guaranteed replacement coverage is a common endorsement on many NH homeowner policies; however, it can be a bit of a misleading.  It would be impossible to calculate the exact replacement cost of almost any home because construction costs will vary depending upon when the home needed to be rebuilt.

For example- a large hurricane makes the supply of lumber and materials low, so the price increases significantly.

Because these factors in the future are unknown, many companies offer a replacement cost endorsement that is added onto the homeowners insurance policy.  This coverage provides a level of protection between what you insure your home for and what it actually costs to replace it at the time of loss.

To get this endorsement though, you typically would need to agree to insure your home at 100% of the estimated replacement cost.  There are also different types of guaranteed replacement cost coverage.  Some are 100% guaranteed replacement cost so no matter how much more it costs to rebuild the home above the coverage limit, the policy will cover it.  Most guaranteed replacement coverages though are capped at a specific percentage, often 25% or 50%.

Because guaranteed replacement coverage is not automatic and can vary, speak with your insurance professional to ensure you have the right protection for you.