IPN June/July 2015

island Property News

June/July 2015 • FREE

hurricane season Hurricane Party Tips for the perfect hurricane soiree

must haves Stock up on all the necessities - before, during and after

DIY

Hurricane tree removal after the storm

Batten down the Hatches

island Property News

realtor advice From Sharika Tucci

Realtors: Bermuda Longtail Realty. . . . . . .

Cranfields Property. . . . . . . . . . .

Crisson & Company . . . . . . . . . .

The Property Group. . . . . . . . . . .

Pg 5 Pg 3 Pg 3 Pg 3

Related Services: Argus. . . . . . . . . . . . . . . . . . . . Pg 11 BUW/BAC. . . . . . . . . . . . . . . . . Pg 10 Bermuda Coatings . . . . . . . . . . Pg 16 BS&R Group. . . . . . . . . . . . . . . . Pg 9 GAR Bermuda. . . . . . . . . . . . . . . Pg 5 Gorham’s . . . . . . . . . . . . . Pg 2 & 13 Island Glass . . . . . . . . . . . . . . . . Pg 4 Q-Ship Enterprises. . . . . . . . . . . Pg 5 Standard Hardware. . . . . . . . . . . Pg 9 TreeCon . . . . . . . . . . . . . . . . . . Pg 12 Realtor Listings. . . . . . . . . . . . . . Pg 4 Rentals. . . . . . . . . . . . . . . . Pg 13-15

Island Property News Suite 1108, 48 Par-la-Ville Rd, Hamilton HM 11, Bermuda Contact: Jennifer Ward Tel: (441) 236-2025 Cell: (441) 335-0071 Email: advertise@ipn.bm Publisher: Jennifer Ward Circulation: 5,000 Printed by: Island Press Ltd. Space Deadline: 1st of the month of publication Artwork Deadline: 7th of the month of publication

www.ipn.bm COVER PHOTO: John Singleton abovebermuda@gmail.com

Condominium Collaboration in Hurricane Season The condominium board members, homeowners and tenants of the island’s many condominium developments are aware of the unique elements of condominium living. Even hurricane preparedness takes on a different meaning at condominium developments as the entire condominium community must partner together to ensure success.

“Emergency preparedness is a team sport”, according to Eric Whitaker, a public health and emergency preparedness expert. In the interest of helping your condominium community during hurricane season here are some preparation tips for your team members:

Board Members and/or Property Manager • P lan - Create your hurricane preparedness plan. Establish roles before, during and after an extreme weather event.

• Communicate - Share critical information with your community, including pre-storm plans, storm procedures, emergency response numbers and information on shut downs of major building systems. Residents should also understand their roles when it comes to securing their private property.

• Think high-tech and traditional - digital files and documents should be backed up and safely stored. Have on hand up-to-date, hard copy reference lists of contact details for all owners and residents as well as insurance representatives, landscapers and repairmen • Review your insurance policy - make sure it’s current and that you understand the limits, exclusions and deductibles beforehand • Liaise with service providers - provide vendors with expectations for securing their equipment and fulfilling vital roles before and after a storm. Have an understanding of what level of commitment to expect from your landscaping, security, maintenance and construction vendors should your community become damaged • Prepare the property - If you have generators, ensure they are properly maintained, tested and that there is an adequate supply of fuel available. Keep trees trimmed and minimize debris stored on site. Evaluate areas that may be prone to flooding and ensure storm drains are clear. Set aside adequate space to store common area items such as pool furniture. Assess the property for areas of weakness; loose railings, gates and light fixtures can cause property damage during high winds

Owners and Residents • Prepare your property - Secure your outdoor furniture, barbecues and plant pots • Check and double check - ensure that your windows, doors and shutters close properly and all hardware is in working order. If not, enquire with the responsible party for repairs (this varies from one development to another) • Communicate – The communication sent from the condominium board or property manager is important; take some time to understand the information sent to you and ask questions if certain aspects are unclear. Take note of the appropriate individuals for reporting damages post-event.

• Review your insurance policy – the condominium’s property policy will not cover your personal effects if damaged so you should obtain contents insurance.

With a collaborative team approach to preparedness, the impact of Hurricane season on you and your condominium development can be successfully managed.

For more information please contact Sharika at Masterkey Management - sharika@masterkey.bm or www.masterkey.bm.

Brief Guide

The Non Bermudian’s to buying Property In Bermuda by Sharon Cranfield of Cranfields Property Ltd. Non Bermudians may purchase property in Bermuda subject to certain restrictions.

Non Bermudians may buy a house which has an ARV (Annual Rental Value) of over $153,000 or a condominium with an ARV over $32,400. Once the buyer enters into a contract to purchase a property they will be required to submit an application for a “License to Acquire” to the Bermuda Government along with a consideration fee of $1,416.

Currently the cost of the “License to Acquire” is 6% of the purchase price for a condominium, 8 % of the purchase price for a House and 6.5% for properties that are part of a Tourism Designated Development.

After 30 September 2015 the license fees are due to increase to 8% on a

2 Island Property News • June/July 2015 • www.ipn.bm

condominium and 12.5% on a house.

Non Bermudians may not buy vacant land, commercial property. Non Bermudian owners of property may be granted permission to rent their property by the Immigration Department of the Bermuda Government. Permission rarely extends to periods of more than a year and incurs a 7.25 % tax on that rental income.

Prospective international buyers should review the Bermuda Immigration and Protection Act 2007 for more in-depth information.

If you are considering buying a house or condo in Bermuda then any of IPN’s Real Estate Agents would be of great assistance to help navigate the process and suggest suitable properties for consideration.

EASEDALE WEST • 3 Bed 3 Bath Duplex • Lots of space on 3 levels • Private Balcony Asking $550,000

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4 Bedroom Trimmingham Hill Home Contemporary & Spacious Pool, Ocean Views & Apartment $ 2,350,000 Available to PRC Holders

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End Unit Townhouse Style 2 Bed 3 Bath + Family Room Pool & Garage & Water View $ 875,000 Available to International Buyers

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Low Maintenance Cottage 2 Bed 2 Bath Designer Kitchen Near Mangrove Bay and Shops $ 595,000 Available to PRC Holders

Warwick Unit B4

Pembroke

• Perfect central location • Walking distance to Hamilton • 2 Bed, 1 Bath end unit • Very spacious grounds Asking $395,000

6 Dundonald Street West, Hamilton, Bermuda Tel: 441 295 0826 • www.crissonrealestate.com

REAL ESTATE • SURVEYING

Check www.bda4sale.com for photos and full details on all our Sales, Rentals and Vacation Properties Member of the Real Estate Division of the Bermuda Chamber of Commerce

"Island House" - Tucker's Town

Island House is a stunning family home with beautiful views of picturesque Tucker’s Town Cove in this special private residential community. The house was recently enlarged and completely renovated to a very high standard creating a bright and airy atmosphere throughout plus a state of the art gourmet kitchen. There is a formal living room with fire place, formal dining room with fire place, office and a large family room open to the kitchen and the informal eating area. There are 5 very spacious bedrooms all with bathrooms en-suite. A large balcony overlooks the pool and patio below and Tuckers Town Cove.

On the lower level is a media room with full bath in hall, laundry room and direct access from the house to an oversized garage. There is a wet bar with beverage fridge and ice machine and doors opening onto the swimming pool patio. The grounds are very private and beautifully landscaped with a charming grassy courtyard for peaceful outdoor relaxing. Just a short walk to The Mid Ocean Club and The Tucker’s Point Club and the amenities they have to offer.

Price upon request. Please call Barbara (441) 505-9962 or email barbara@property-group.com.

T (441) 234-6900 F (441) 234-6892 info@property-group.com www.property-group.com

www.ipn.bm • June/July 2015 • Island Property News 3

ReALTOR Listings Be one of our listed realtors in print and on online at www.ipn.bm - email advertise@ipn.bm for information

Bermuda Longtail Real Estate Ltd.

Aerial Photo on Cover Provided by John Singleton from Above Bermuda

P.O. Box SN 104, Southhampton, SNBX T. 232-2769 • F. 232-2770 E. cesa@bermudalongtailrealestate.com www.bermudalongtailrealestate.com

Bermuda Property Link Ltd. P.O. Box FL 663, Smith’s FLBX T. 232-7272 • F. 232-7273 • C. 704-6212 E. ann@bermudapropertylink.com www.bermudapropertylink.com

Kim Sheen GRI. CRS. CBR

Boeotia Property Company Ltd.

Trusted Real Estate Specialist

2 Cut Road, St. George’s GE 04 T. 297-3038 or 297-2200 E. boeotia@northrock.bm

Broker/Owner • Sales & Rentals

Cranfields Property Bermuda Ltd.

“Ensuring my clients always receive proper representation.”

P.O. Box 433,Warwick, WKBX T. 305-8074 • E. sharon@bda4sale.com www.bda4sale.com

Crisson & Company Ltd.

With over 25 years experience!

6 Dundonald St. W, Hamilton T. 295-0826 • F. 295-3221 E. crissonco@crissonrealestate.com www.crissonrealestate.com

Direct: (441) 734-1264 Email: ksheen@northrock.bm

ele Properties

www.kimsheenproperties.bm

• Aerial Photos & Video for Real Estate • Architecture/Site Planning • Event Photos & Video • Commercials & Promotional Videos

Contact

abovebermuda@gmail.com

#16 Burnaby Street, Hamilton HM 11 T. 296-7096 • F. 297-3787 E. info@eleproperties.com www.eleproperties.com

Fiduciary Realty

20 Tee Street, Devonshire DV 03, Heather T. 705-9538 • Lea T. 505-0675 F. 232-2989 • E. mail@fiduciaryrealty.com www.fiduciaryrealty.com

GAR Bermuda Ltd.

Transportation Specialist Call us today for unbeatable group rates!

79 Somerset Road, Sandys MA 04 T. 234-1674 • C. 332-9770 E. gar@garbermuda.bm www.garbermuda.bm

Kim Sheen Properties P.O. Box 408, Sandys MABX C. 734-1264 • T. 541-4977 E. ksheen@northrock.bm www.kimsheenproperties.bm

McInnis & Associates Ltd.

37 Reid St, Hamilton T. 295-1663 • Cell: 737-5753 F. 292-1210 • E. heather@hmcinnis.com www.hmcinnis.com

Dine Arounds / Weddings Group & Private Tours / Excursions

Moura & Associates

Real Estate Services Limited, 9 Berry Hill Rd, Paget DV03 T. 236-0737 • F. 236-0413 E. info@mouraandassociates.com www.mouraandassociates.com

The Property Group Ltd. “Nautilus House”, 82 South Road, Warwick Wk 08 T. 234-6900 • F. 234-6892 E. info@property-group.com www.property-group.com

4 Island Property News • June/July 2015 • www.ipn.bm

GAR Bermuda Ltd. 79 Somerset Road, Sandy’s Bermuda MA 04 Tel (441)-234-1674 Cell (441)-332-9770 email gar@garbermuda.bm

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2 Bedroom Warwick Villa Condominium, Swimming Pool.

Modern Kitchen & Baths,Amazing Condition & Located Near Belmont Golf! Middle Rd,Warwick

3 Serpentine Rd. Pembroke Tel: 295-5134 Fax: 292-3868 Email: sales@islandglass.bm OPENING HOURS Monday-Friday 8am to 5pm

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2 Bedroom Whale Watch TownHome with Den, near Southlands Beach & Swizzle Inn with Amazing Vistas. Kelland Circle, Warwick

Spacious 3 Bedroom TownHome & Spacious Garage near Gibbs Hill Lighthouse, Lovely Views of Sprawling Gardens!

Hamptons Lane, Southampton

IMAGINE A RARE OPPORTUNITY OF OWNING YOUR OWN ISLAND IN BERMUDA!! Perot’s Island boasts over 8 acres of waterfront property with it’s own

private beach, swimming pool, boat house and dock(s). Ideal for privacy and the boating enthusiest. This private estate has over 17000 square feet of living space and the most beautiful of landscapes in Bermuda, this 7 bedroom home, green house, boat house and mainland Gate House offers ample room for entertaining. And to top this lovely paradise off and tucked away is the most amazing quaint chapel for a perfect meditation. Call us today for a private tour of this private island gem on Riddell’s Bay. Available to International Purchasers. PRICE $10,995,000

CESA EDWARDS - BROKER/OWNER Contact 232-2769 or 535-2769 cesa@bermudalongtailrealestate.com www.bermudalongtailrealestate.com

WATERFRONT COTTAGE MINUTES FROM THE CITY OF HAMILTON!

Charming 2 Bedroom Home, Lovely Patio, Quaint Garden, Exceptional View.

North Shore Road, Pembroke

$900,000

www.ipn.bm • June/July 2015 • Island Property News 5

hurricane season June 1st to November 30th is Hurricane season and the time when we see those ever-pesky Atlantic developments moving closer and closer up that imaginary line and usually headed right to us! Our experts have some great tips & advice that will help you prepare your families and homes for the sometimes overnight ordeals (thanks Fay) that can happen to us all. Let’s not be caught out this year - be prepared!

Throw a Hopping Hurricane Party!

By Jacqueline Ward, Island Property News

Holding a hurricane party has become somewhat of a Bermudian tradition.

During the seriousness of a storm it’s nice to have some friends to kill the time. Holding a party at your home provides a safe and stress free refuge for those friends with smaller places (or those who have waterfront properties!).

Here are a few tips to throw the perfect, and safe, hurricane party for you and your friends.

First, as it’s your house that’s hosting you want to make sure there is plenty of room for the people you’ve invited. Make sure there is enough space for everyone to comfortably sleep (as some storms last overnight). Ask everyone to come early to ensure they make it before the storm hits and you’ve got extra people to double check all the safety precautions.

Second, it’s all in the company you keep. Don’t invite people over that you can’t stand to be around for more than a day (That friend who is an annoying drunk and then even more annoying snorer should probably stay off the invite list). In exchange for a place to stay and party, guests are often expected to contribute supplies.

They should bring over extra water, blankets, safety kits, radios, batteries, any perishable or frozen food, games and alcohol.

Third, it’s not a party without food and drinks. A good idea is to cook up meat before the storm and freeze it (frozen meat stays that way for up to 3 days and can act as ice packs before becoming some yummy snacks).

We all know the power is probably going to go out so ask guests to “clean out the freezer” and bring stuff over. Eat the items that will spoil quickly, there is no reason for all that food to go to waste. Stock up on water and if you decide to drink make sure you’ve got a sober friend to keep an eye on things.

6 Island Property News • June/July 2015 • www.ipn.bm

Finally, kill time with plenty of activities. Chances are you’ll be stuck for more than a few hours so stock up on games, books and other non-electronic entertainment.

For those of you with a dark sense of humor, create a hurricane play mix. Our favs…

Umbrella - Rihanna Rock You Like a Hurricane - Scorpians Hurricane – Bob Dylan It’s Raining Men – The Weather Girls Lost In The Flood - Bruce Springsteen One Of The Survivors - The Kinks As much fun as it is to throw a party, remember the seriousness of the situation.

Check in with family and friends often and listen to the radio for updates. Make the best of a bad situation and spend your next hurricane at home with friends.

Hurricane Must Haves:

Expert Advice from Standard Hardware Gearing up for hurricanes is something Bermudians are used to.

And with hurricanes becoming stronger each year it’s something we have to take more seriously. Gone are the days when we could just eat all the ice cream and light a candle and the hurricane would be done in a day. Winds are stronger, storms last longer and the power stays off for far more than we want it.

Before: Stock up! We always think we have these things right up until the moment we need them. A hurricane is the worst time to realize you’ve got no batteries and your roof is leaking. Make sure you’ve got these when it counts:

1

Buckets – useful for a number of situations, buckets can help

2

Plastic Tarp - for roof/window repairs and tools and to cover

with flushing toilets, washing, and simply collecting water.

anything too heavy to bring indoors.

3 Propane Cookers – not just for camping anymore but also great for heating up food when you’re tired of cereal.

4

Hand Crank Radio – keep in touch with the outside world without worrying about batteries

5 Rope – needed for tying things down but mort

importantly for dipping water out of your tank for flushing after the storm.

6 2 Coolers—one for food, one for ice 7 Flashlights – the bigger the better to light up a large space and make sure you have a couple smaller ones per person to walk around with.

8

Plenty of Batteries – you can’t have enough!

Stock up on a variety and even grab a solar or battery powered charger for your smart phones.

During: Be smart and ride out the storm in a safe way. Determine the best place in your home to go during a hurricane. Use an area in the home without windows that will be safe from the damage of winds.

Turn off utilities if instructed to do so. Otherwise, turn the refrigerator thermostat to its coldest setting and keep its doors closed, it will keep the food colder longer if power is shut off.

After: Although a hurricane is gone there are a lot of things to do after it’s finished. Don’t assume once the rain is done that it’s okay to go out.

Drive only if necessary and avoid flooded roads.

There will be plenty of debris, fallen lines, and damage so be safe.

Walk carefully around the outside your home and check for loose power lines, gas leaks and structural damage before entering. Inspect your home for damage. Take pictures of damage for insurance purposes.

Find everything you need at Standard Hardware along with the knowledge about what to do, how to use them, and what you’ll need to ride out the storm.

Captain

DIY:

After Hurricane Tree Removal Expert Advice from Gorham’s

Hurricanes and tornados can cause a lot of damage and destruction. Trees and foliage take the worse of it during a storm and afterwards there are many uprooted trees, debris, and stumps to worry about.

Trees are often left in the ground for a reason — they can be very difficult to remove. Removing a tree stump is not as impossible as it seems though. In fact, with the right advice and tools, you can do the job yourself. Here are a few ways to get the job done.

• Do not use a chain saw if you are not experienced in operating it or if you are not physically fit. If you must use a chain saw, work only on the ground.

• Never do any tree work that involves felling trees, climbing of any kind, or using ropes. Get a professional to help you with these situations.

• Survey the site. Identify potential hazards and discuss where there is potential for injuries.

• Set a perimeter around the work area and mark it.

Step 1. Dig Around the Roots Dig out the soil around the stump. Expose as much of the roots as possible, by removing the surrounding soil using a shovel or spade. You may need to dig fairly deep on each side of the larger roots to really expose them so that you can cut or chop them up.

Step 2. Cut Up and Remove the Roots & Branches Chop up any exposed roots or branches in the way. This can be done quite a few ways. Depending on the diameter, you can use bypass loppers, a shovel, an axe, a hatchet or a saw. The goal is to chop them up or cut them into pieces for easy removal by hand.

• Wear the appropriate protective equipment such as gloves and safety glasses • Cut at waist level or below: Chain saw injuries to the head often result from making overhead cuts.

• Take extra care when cutting branches: Branches that are bent, twisted, or caught under another object may snap back and hit you or pinch the saw.

Step 3. Remove the Tree Stump Pull out the stump. Once a majority of the stump root structure has been removed or damaged enough, you should be able to pull it out of the ground or push it over, tearing it away from any remaining small roots that are still attached.

Step 4. Patch the Hole Fill the hole where the stump once was with topsoil, loam or potting soil, etc. Pack it down by hand or with a tamper so the ground is level with the surrounding area. Add grass seed or lawn repair patching to the area so grass grows in and matches the area with the rest of the yard.

Clean up after a hurricane may be a lot but it doesn’t have to be daunting. Your yard may look like a hot mess but with the right tools, proper safety and some elbow grease you can make it look brand new.

realtor advice From Sharon Cranfield

Wish I’d thought of that!

What did you wish you remembered during the last hurricane??

There’s always something you forget. What did you wish you had (and didn’t get) before the storms hit last year?

Mine was sheets of plywood! As the 2nd storm approached I was thankful that we’d weathered the first one fine but the surrounding devastation caused by Fay made me a lot less confident as Gonzalo approached from the opposite direction and the integrity of my big glass doors!

I think we can safely say that Bermuda and Bermudians know that storms are inevitable and that we have to be prepared for them.

After hurricane devastation we pull together and recover quickly.

We need to stay vigilant for new storms and anticipate requirements ahead of time. Looking back we’ve learnt things by living through a few major hurricane events. Apart from the general moving and securing outside plants and furniture, I now know to either remove the blades from my outdoor fans or the secure them with bungee cords so they can’t turn and spin themselves off!

I’ll be sure to stock up on a healthy supply of paper plates, cups, paper towel and tin foil so that washing up is minimized. And of course Clorox wipes and 409 spray to kill the ants, clean the kitchen and bathroom.

I’m going to test the generator it was on its last legs during Gonzalo and I know that I should also revisit the idea of solar paneling as an alternate energy source…

As we go into Hurricane Season here is my list of “Must Haves”

Ice - It’s never cold here when a hurricane or tropical storm hits so ice is always in great demand. Stock up. Save Milk cartons and plastic containers to fill with water and freeze stashed in empty spots in your freezer. These blocks will help you keep things cold in your freezer when the power goes off.

Water - Remember that you will not only want water for drinking

but also for hygiene and cooking. We are lucky in Bermuda that we all have a controllable water supply in the form of our water tanks – make things easy in case the power goes out by filling a few buckets, kettles and jugs ahead of the storm. If a more major storm is coming fill your bathtub with water for dishwashing, toilet flushing and bathing.

Drinks - It could be a day or so before you can go out on the road

and so ensure that you have all your family’s favourite beverages on hand as well (and an extra supply in case your neighbours come over).

Food - Plan to have dried food and cans in stock. If a hurricane

strikes, eat refrigerated items first, followed by freezer items. Fire up the barbecue and invite the neighbors for dinner. It’s a fun way to spend the time when there’s no power for computers and TV and to use the perishable food. Eating your freezer’s contents saves you worrying about how to keep it all cold and expending money on ice.

For more information please contact sharon@bda4sale.com or Cranfields Property’s Website www.bda4sale.com.

8 Island Property News • June/July 2015 • www.ipn.bm

Batten down the Hatches!

Expert Advice from BS&R Group Shutters are a Bermudian institution and are such for a number of reasons.

They are usually used for light control, privacy and protection from the elements and much more. For us they are the cornerstone of our T-Made Custom Carpentry division.

Shutters have a much greater importance in Bermuda than most places.

Besides a design choice our shutters, come summer, play an important role in protection during hurricanes.

The obviousness of why you would use shutters during a hurricane is clear: to protect your windows and home from the weather, debris, and damage.

However there are some things you can do to make your hurricane shutters better prepared to take on the onslaught:

1. Pick your Louvres: Whether you have shutters that hinge from the

side or from the top it is necessary to choose either fixed or operable louvres (or slats). Operable slats allow for greater control of light and ventilation however fixed slats are tougher and provide better protection.

2. Oil dem things! Depending on the application and the construction of

the window frame all shutters are attached in some way to allow them to open and close. Make sure to check often and replace the hardware, be it hinges or tracks, and WD40 them to ensure smooth transitions.

Nothing is worse than trying to close a jammed shutter when a hurricane is raging outside.

3. Get Hardwood:

Certain hardwoods that are currently used for exterior shutters, specifically Spanish Cedar, Honduran Mahogany and Teak, have grain that actually breathes out moisture making them resistant to rot and decay, and far more durable than a softer wood like pine. Because of the tannin in these woods they are also not prone to problems from insects.

4. Go the distance: Ensure your shutters last by using a protective coating. Treat your wood with a water repellant or sealant to help it last for years rather than resembling a 50-year-old fishing pier. Cleaning and sealing any outdoor wood is paramount for it’s durability and lifespan.

5.

Step away from traditional:

Shutters have traditionally been constructed from solid woods that have proven to endure outside elements however composite wood, like Accoya, offer advantages such as resistance to twisting, splitting and rotting.

It only takes one hurricane to destroy your property. Protect the openings in your home and prepare your shutters for the onslaught. Are you ready?

Plug In to The Bermuda Weather Service When the storm is raging, the power is out and you don’t know when it’s going to end there are few places to turn to find information. The Bermuda Weather Service wants to make sure you know about their Facebook page:

www.facebook.com/BermudaWeatherService With technology at our fingertips 24/7, even when the lights go out, it’s the first place to turn for news, updates, and weather information. The BWS Facebook page promises reports, satellite & radar imagery, and up to the minute news. A source of constant communication before, during an after a storm, the Facebook page allows the BWS to answer questions and respond to concerns in real time.

They are encouraging people to like their page and check it frequently, whether you want to know if there is going to be rain for your cookout or when the winds of a hurricane are finally going to die down.

Make sure you’re plugged-in, informed, and ready for any weather.

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Everything you need this Hurricane Season!

Visit us at:

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Worth looking for - Bakery Lane Off St. John’s Road, Pembroke, Bermuda p: (441) 292-3905 • f: (441) 295-0174 e: info@standard.bm www.ipn.bm • June/July 2015 • Island Property News 9

Powerless in Paradise

Brought to you by the Men In Blue, Bermuda Air Conditioning be decreasing every year, as people realize that the agony of power outages isn’t something they will have to endure every time there’s a hurricane. No, those people bought a generator!

It’s a changed world out there. Generators have improved considerably (less noisy!) and are not just for single-dwelling households. They’re just as accessible for apartment and condo dwellers too. In fact, some of those multi-dwellers have clubbed together to power up an entire unit, which is a fantastic solution all-round.

The ice has long melted in the coolers. You’ve just chucked your last edible piece of defrosted chicken breast on the gas grill. The fridge is now empty and you know that tomorrow the daily trek to the grocery store will start. It’s hot. It’s sticky. There’s no cold water to drink, let alone pour over your head to cool off. A fine whisper of a breeze blows through the wide-open windows throughout the house. And… you smell. Because it’s probably been three days since you had a decent shower and the water in the tub has receded to within an inch of the bottom…

You guessed it. You’ve just come through to the other side of a hurricane and it’s not pretty. The only saving grace is that there are quite a few people like you – or so you thought. Because those numbers seem to

But don’t leave it to the last minute to buy a generator, as you may not get the one you want. Prepare yourself well in advance by talking to the expert electricians at BAC Universal Electric (BUE) to size up your home and determine the generator that will suit your purpose and the requirements of your household. Both BUE and BAC have a vast array of generators from Powermate and Kohler to choose from – portable or standby – so you can power up your home manually or automatically. As soon as your power goes out.

There’ll be a harsh wind blowing out there one of these days…Just make sure you’re ready for the other side.

BAC Universal Electric, 4 Midsea Lane, Pembroke. 292-5372. www.universal.bm Bermuda Air Conditioning. 9 Mill Creek Road, Pembroke. 292-0881. www.bac.bm Bermuda Air Conditioning and BAC Universal Electric are members of the BAC Group of Companies.

T ’ N O D

A N I R E W O LOSE P !

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10 Island Property News • June/July 2015 • www.ipn.bm

Hurricane Season: Know Your Coverage

By Andy Pell, Assistant Vice-President, Property & Casualty, the Argus Group In 2014, Bermuda was hit with two back-to-back hurricanes, Hurricanes Fay and Gonzalo. While the close proximity of the two storms was quite unusual, it served as a reminder that hurricane season is unpredictable. In addition, the season is long, spanning six months from June through November. The length of the season paired with its variability underscores the importance of being prepared.

Argus Insurance is in the business of prevention. When it comes to hurricanes, the role of an insurance company is to prevent financial distress that could result from damages caused by natural disasters. If you are uninsured, we encourage you to consider the lessons learned from last year and get insured today. If you have insurance but are not sure of your coverage, call your insurance provider as there are different plans that cover different types of damages to different types of properties. Knowing your coverage is vital in protecting your home and property.

It is important to be aware that there are two common types of property insurance.

The first is Buildings Insurance that applies to structures and the second is Contents Insurance that applies to personal possessions. The plan(s) you choose depends on your specific needs.

Buildings Insurance

Buildings Insurance covers structural damage to the home. Typically, this type of coverage includes the garage and any other outbuildings, walls, gates, cesspits, tanks, patios, terraces and pavements. Swimming pools, satellite receiving equipment, docks, piers, jetties, seawalls, tennis courts all fall under the structural category that is covered with Buildings Insurance.

Contents Insurance

Contents Insurance covers an individual’s personal possessions while they AR-HurricaneAd-Horizontal-2015.pdf 1 2015-06-13 1:39are PM located

Hurricane Gonzalo, viewed from the International Space Station - www.nola.com

in that individual’s home. This may include general household contents such as furniture, carpets, television and kitchen appliances; personal effects and clothing; valuable property such as jewellery, fine art, watches, cameras, laptop computers, iPods and phones. You can extend your Contents Insurance to include Personal Possessions Cover Insurance. This cover may also insure valuables such as cameras and jewellery when outside the home and you can specify when taking out your insurance whether this is for Bermuda only or worldwide.

In order to ensure peace of mind, make sure you understand what you are covered for.

If you have any questions about insurance coverage, visit www.argus.bm or call the Argus Customer Service Centre on 298-0888.

We can’t prevent hurricanes.

But we can give you peace of mind.

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Know your coverage and have peace of mind.

At Argus, we believe in protecting your property, especially during hurricane season.

We can’t stress strongly enough the importance of reviewing your protection policy for both Building Insurance and Contents Insurance. The structure of your building and your personal possessions both need coverage. In order to ensure peace of mind, make sure you understand what you are covered for.

If you have any questions about your insurance coverage visit: www.argus.bm or call the Argus Customer Service Centre at 298-0888.

“Argus” and “Argus Group” means Argus Group Holdings and subsidiaries, including Argus Insurance.

www.ipn.bm • June/July 2015 • Island Property News 11

Coastal living, hurricane style Coastal living, hurricane style Coastal living - hurricane style Expert Advice from Treecon

Let me draw your attention to the house in the accompanying photo, Let mewas draw your attention to the house in the accompanying photo, which taken from a neighbouring property during a recent hurricane. whichone wasthat’s takenbeing from apounded neighbouring propertyand during a recent hurricane.

The by seawater facing a rising tide – The one that’s being pounded seawater and facing a rising tide – which eventually submerged theby house! which eventually submerged the house!

You’d think that the residents would be scrambling around in a panic You’d think the left residents wouldaltogether!), be scrambling around in atowels, panic inside (if theythat hadn’t the property throwing down inside (ifand theyanything hadn’t left thecould property throwing towels, sheets they find altogether!), to soak up the water down that must be sheets and anythingthrough they could find toand soak up the water thatthey must be coming in torrents the doors windows.

But no, were coming in torrents and through doors windows.they But knew no, they relaxed, unhurried not the worried at and all. Because thatwere the relaxed, unhurried andwindows, not worried all. Because they knewshutters, that the aluminium doors and andatespecially the reinforced aluminium doors and andhurricane especially the reinforced shutters, would enable them to windows, ride out this in comfort.

This was quite would enable them to ride out thiswhen hurricane in comfort. wasofquite a different story the previous time they had been hitThis by one ana different story the previous timewere whensmashed they hadby been by onewaves, of another strong hurricane; windows the hit powerful other strong hurricane; smashed by the powerful waves, flooding the house and windows sweepingwere furniture and personal belongings out flooding the house anddamage sweeping and personal belongings out to sea. Apart from the andfurniture cost, the experience had been territo sea.It Apart from the damage and would cost, the been have terrifying. was something the owners do experience their utmosthad to never fying.

It was something owners do their utmost to never have to experience again. Sothe now, with would TreeCon’s storm protection installato experience again. So they now,have withtoTreeCon’s storm protection installations, it’s not something worry about anymore. tions, it’s not something they have to worry about anymore.

Since 1985, TreeCon Limited, in collaboration with Karey Kassl CorSince 1985, Limited, in products collaboration withproven Karey to Kassl poration, haveTreeCon been engineering that are beatCorthe poration, have at been engineering products lasting that are proven to company beat the elements and, the same time, providing beauty.

The elements and, ataluminium the same products time, providing lasting beauty.

The company supplies quality that have passed through rigorous suppliestoquality aluminium products that have passed rigorous testing withstand the powerful elements faced fromthrough hurricanes and testing to withstand the powerful elements faced from hurricanes and the strong winter storms. the strong winter storms.

We’ve got We’ve got ... you covered you covered... in a storm. in a storm.

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In recent years, TreeCon has added a vinyl line to the product mix, In recent years, has addedThese a vinyl line to are the rated product mix, which meets theirTreeCon high expectations. products as ‘Best which meets their the highuse expectations. are rated as ‘Best in Class’ through of premiumThese glassproducts technologies, multi-chamin Class’ through the use and of premium glass technologies, multi-chambered reinforced frames the strongest hardware available.

The bered reinforced PremierVue frames andline theis strongest hardware The impact-resistant amongst the highestavailable. in air, water, impact-resistant PremierVue amongst the highest air, water, structural and energy ratings inline theisindustry, which is a rare in combination structural and energy ratings the industry,iswhich a rare combination in vinyl products.

That’s whyinPremierVue a PGTis preferred selection in vinyl products. is a regions.

PGT preferred selection for projects, whichThat’s is idealwhy for PremierVue hurricane prone These products for projects, which is ideal forthough hurricane prone regions. products don’t just resist hurricanes – they help to stopThese burglars from don’t justyour resist hurricanes though they help entering house and energy from– getting out!to stop burglars from entering your house and energy from getting out!

If you’re looking for a great product to suit your pocket, needs and style, If you’re looking for a great product to suit your pocket, visit the TreeCon Showroom on Cemetery Lane.

You’ll needs be gladand youstyle, did! visit the TreeCon Showroom on Cemetery Lane. You’ll be glad you did!

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12 Island Property News • June/July 2015 • www.ipn.bm

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Rental Listings

FREE for any advertiser or $30 per listing • Deadline is the 1st of the month of Publication

$2,000/Month - Old Road, Hamilton Parish

Available Mid-July! The One For You! Fully furnished ground floor apartment a hop skip & jump to Shelly Bay Beach. This tastefully done apartment comprises open plan living dining kitchen combined with laundry, bedroom, full bathroom & hall storage. Walk to the bus, grocery store, restaurant, beach & distant glimpses of the ocean. A lovely home! Split air-conditioning throughout.

Contact Cesa Edwards, Bermuda Longtail Real Estate Ltd, cesa@bermudalongtailrealestate.com or 232-2769.

$2,200/Month - Cove Valley, St David’s

Franks-Johnson, Bermuda Longtail Real Estate Ltd, karen@bermudalongtailrealestate.com or 333-4028 to view.

Sharon Cranfield, Cranfields Property Bermuda Ltd email Sharon@bda4sale.com or call 305 8074 for an appointment to view.

$3,250/Month - Kernyk, Southdown Farm

$3,800/Month - Rockaway, Southampton

Completely turn key 2 bedroom, 1 bathroom Southdown Farm unit. This tastefully furnished upper unit is conveniently located on bus route and is within walking distance to beach. A perfect fit for someone new to island. Available now. Contact Debbie at Moura and Associates, 236-0737 or debbie@mouraandassociates. com

Available September (Possibly sooner)! Modern 4 bedroom, 2 bathroom Rockaway Condominium located near Port Royal Golf Course & 60 seconds walk to Rockaway Fast Ferry which takes 20 minutes to get to the city. This unit is on 3 levels. First level is kitchen dining, bedroom with patio & bathroom with coat closet. The kitchen has stainless appliances & granite countertops.

Up one level is a bedroom & another level is a bedroom & bathroom. Air-conditioning in most rooms. Level below kitchen is sunken living room with patio where you can have a bbq. Lovely community & located near great schools, grocery, Bella Vista restaurant, golf course & gas station. No dogs allowed. Non smokers please.

Unfurnished or Partly Furnished. Bike paths & playground all near. Contact Cesa Edwards, Bermuda Longtail Real Estate Ltd, cesa@bermudalongtailrealestate.com or 232-2769 to view.

$3,500/Month Spanish Crescent, Smith’s

Available Now! Spacious 2 bedroom Apartment with amazing ocean views (electricity included), comprises living room, separate dining room, kitchen, one bathroom and laundry. Ample closet space, quiet neighborhood and assessment number. Also has alarm system in place. Lovely yard and ocean views. Located near St David’s Lighthouse. Definitely a great deal! Contact Cesa Edwards, Bermuda Longtail Real Estate Ltd, cesa@ bermudalongtailrealestate.com or 232-2769 to view.

$3,000/Month - Somerset Road, Sandy’s

Available Now! Located off of Knapton Hill & near Spittal Pond is this lovely upper apartment which comprises of living room with fireplace, kitchen with stainless appliances / dining room & stackable laundry, two bedrooms, den/office and one bathroom. Wooden & tiled floors throughout, split air-conditioning. A lovely neighborhood & with a quaint yard for children to play or entertaining. Located near Harrington 100’s Grocery Store & less than 5 minutes by car to John Smith’s Bay Beach.

Contact Cesa Edwards, Bermuda Longtail Real Estate Ltd, cesa@bermudalongtailrealestate.com or 232-2769 to view.

$3,500/Month - The Breakers #9

Available Now! Amherst is a charming 3 bedroom cottage situated on Somerset Road and boasting many original features throughout which must be viewed to be appreciated. The property benefits from a recently refitted open plan kitchen dining room combination with appliances, living room with fireplace and cedar mantel, ceiling fans in each room, one bathroom, laundry/storage room and sunroom enjoying ocean views. There’s a lovely garden area to relax or entertain with a bricked bbq also having ocean views from this area. Located on the bus line near St James Church, near Somerset Village and railway trails, grocery store and beaches. Contact Karen

$4,500/Month - St James Village #2

Townhouse style condo with pool and ocean views from Master bedroom and balcony. Lovely covered porch for entertaining. Master Bedroom en-suite. Big storage area and covered parking. Unfurnished or semi furnished.

Major appliances included. Long lease preferred.

Available 1 September. Contact Sharon Cranfield, Cranfields Property Bermuda Ltd email Sharon@ bda4sale.com or call 305 8074 for an appointment to view.

Upstairs renovated apartment with ocean! Living/ dining area opens to nice balcony looking onto South Shore. Beautiful cedar interior adds charm and character throughout. Loft above Master Bedroom and en-suite bath. 2nd bedroom has excellent storage and updated bathroom. Semi furnished. A.C, tiled, major appliances included. Available immediately. Contact

www.ipn.bm • June/July 2015 • Island Property News 13

Rental Listings $4,900/Month – Mizzentop

$8,500/Month - Near Southshore Beaches

property including a mooring & magnificent beach!

Currently occupied so kindly please allow a min of 24hrs notice. Occupancy December/Jan. For gorgeous photos please visit www.kimsheenproperties.bm Kim at Kim Sheen Properties ksheen@northrock.bm 734-1264.

$11,000/Month - West End Paradise

Oh so very close to town & impeccably furnished!

Situated in Warwick in the lovely condominium development of Mizzentop is a first floor, 2 bed, 2.5 bath Condo! Decked out in a true retro style, you will be very comfortable as you will be amazed with a stunning sparkling pool looking out to the glorious waters of Granaway Deep, also available a gym and tennis courts!

Vacant & ready for short or long term! For fabulous photos please visit www.kimsheenproperties.bm Kim at Kim Sheen Properties 734-1264 or ksheen@northrock.bm.

This home has all the bells and whisles! Boasting high 30ft ceilings, lots of natural light, a majestic marble fire place, large kitchen with high end finishes and appliances, master en-suite, study, powder room and garage this home is a must view! Lower level consists of living/dining/kitchen, powder room and kitchen.

The upper level provides privacy with all 3 bedrooms and 3 bathroom and a office/study. Contact Donna Evans, Bermuda Property Link Ltd. email: donna@ bermudapropertylink.com or 704-8938 to view.

$5,000/Month - Spacious Three Bedroom

$9,000/Month - Stunning Views

Garden level main apartment with fantastic views of the Great Sound. The galley style kitchen has a separate breakfast room as well as the formal dining room with wooden floors. The dining room also accesses a patio for additional outside dining and entertaining. The living room with fireplace and sliding doors has uninterrupted views of the water and opens onto a flat garden area.

The generous master suite with sliding doors also enjoys the water views, large walk in closet and double sink bathroom. Two additional bedrooms share the second full bathroom. Ideal for a family in a secure neighbourhood.

Please call Cheryl of The Property Group on 505-6118 or cherylford@property-group.com.

Wake up every morning to stunning views of the Great Sound! Located on a quiet lane in the West End, this waterfront home includes a dock and mooring for your boat. There is a big garden in the front for children to play and entertaining. The upstairs consists of the renovated master suite. On the lower level are the other two bedrooms that share a bathroom, separate living and dining room. New counter tops have been installed in the kitchen which also includes a breakfast nook. Very spacious home with plenty of storage. Available August 1st. Please call Lisa of The Property Group on 7051807 or email: lisa@property-group.com.

$8,500/Month - Main Unit Spice Hill

36 Very large 2 story home with amazingly large rooms and a huge master suite! This is very good family accommodation for an extended family. Full AC, Tiled and Beautiful finishes throughout. Unfurnished and available from 15 July 2015. Contact Sharon Cranfield, Cranfields Property Bermuda Ltd email Sharon@bda4sale.com or call 305 8074 for an appointment to view.

This fully furnished three bedroom, two bathroom house would appear to be from a by gone age. Set alone on a glorious peninsula with water on three sides sits “Flying Colours” the jewel of Cavello Bay. Cathedral ceilings, open beams, Mexican tiled floors, artisanal fireplaces, ceiling fans, split AC and Bermuda cedar throughout. There is a large living/dining room and chef’s kitchen with a circular wood breakfast table set in a beautiful bay window. There is a covered porch with magnificent views of the Great Sound. A prime viewing spot for the nautical activities coming to the island with two docks one floating and a mooring (tbn) Please call William of The Property Group on 777-9449 or wkempe@property-group.com.

$12,500/Month - Fairylands

$10,995/Month - Perfect for America’s Cup!

Amazing waterfront property on top of a cliff overlooking the majestic Great Sound in Sandy’s. Ultimate views abound in this sprawling 4 bed 3 bath home with the most outstanding character & privacy! Bringing the indoors out with atrium doors off of every main room, lovely living room with wood burning fireplace, fully equipped kitchen/breakfast bar, formal dining room, stunning master ensuite, separate guest suite adding the 4th bedroom & 3rd bath to complete this astounding

This 4 bedroom home available for rent now. The main floor consists of an open plan living dining area with gas fireplace, entry foyer, powder room, state of the art kitchen with center island and open plan family room with gas fireplace. There are French doors off the family room, which leads to a covered porch and small dipping pool. The garage has direct access to the kitchen making it very practical for unloading groceries. The lower level consists of a large games room, office as well as a fourth bedroom/ or nanny’s quarters with kitchen, ensuite bath as well as exterior door. The 3 bedrooms and 3 ensuite bathrooms are located on the upper level. Beautifully finished throughout with all hard wood floors, custom closets, stone/marble tile accents as well as a “smart” system for electronics. A must see!! Contact Debbie at Moura and Associates, 236-0737 or debbie@ mouraandassociates.com

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ISLAND PROPERTY NEWS

14 Island Property News • June/July 2015 • www.ipn.bm

Rental Listings $14,500/Month - Mirabeau

Offers the opportunity to live in a spacious comfortable family home near Tuckers Town. This is a substantial 3 Bedroom 3½ bathroom furnished home with swimming pool, set in attractive landscaped grounds adjoining Mid Ocean Golf Course and a beautiful private beach on the South Shore. Accommodation includes formal living and dining rooms, a family room and updated eat in kitchen.

There are 3 well-proportioned bedrooms, each is en-suite plus there is a separate guest cottage, garage and extra storage on the property. This property is available immediately. Contact Sharon Cranfield, Cranfields Property Bermuda Ltd email Sharon@bda4sale.com or call 305 8074 for an appointment to view.

$15,000/Month – Devonshire

Executive Rental with Pool. Immaculately kept and professionally decorated; this fully furnished Executive two storey three bedroom three and a half bath home

boasts a spectacular kitchen with custom granite counters and state of the art stainless steel appliances.

The spacious living room has lots on natural light with a gas fireplace. The upper level has three lovely decorated bedrooms. The master bedroom has a king size bed and a balcony with en-suite bathroom with a jacuzzi tub. The private backyard allows sufficient room with a full size swimming pool. Located twelve minutes to the City. Contact Donna Evans, Bermuda Property Link Ltd. email: donna@bermudapropertylink.com or 704-8938 to view.

$15,000/Month – PhiLeah

Built in 2010 with central air-conditioning, marbled floors and high quality finishings throughout, is set within a lovely garden landscape, and sits amongst some of the most beautiful Bermuda retreats in the exclusive Point Shares. PhiLeah is located walking minutes outside of the Front Streets of the City of Hamilton. PhiLeah boasts a carefully designed Sky Roof-Top Patio where occupiers can escape to enjoy nightly star gazing and/or daily sunlounging. With shared private tennis court access, water rights, and a lovely private pool courtyard with outdoor fireplace PhiLeah can serve as a fabulous entertainment home. 4 bedrooms and 4 bathrooms. Available September 1st 2015. Please call Cheryl at The Property Group on 505-6118 or cherylford@property-group.com.

$16,500/Month - Tucker’s Town

This is a wonderful opportunity to rent a beautiful home in the prestigious community of Tucker’s Town. There are sweeping views of the Mid Ocean Club golf course and the property is within easy walking distance of Mid Ocean and Tuckers Point. The main house has gracious entrance foyer which leads to the spacious formal living room with fire place. A formal dining room with fire place.

The large kitchen is open to a spacious family room with cathedral ceilings, large windows which overlook the covered verandah, pool patio and garden. On this main level there is also a powder room and a charming office with beautiful views of the Mid Ocean golf course. Please call Sallyann of The Property Group on 535-4521 or sallyann@property-group.com.

Place your rental listing

Only $30 per listing

OR FRee!

for any advertiser.

affordable Properties something for everyone - these properties are all under 1 MILLIon!

$595,000 - Greenview Villas #8

$500,000 - Samaritan’s Cottage!

$350,000 - The Bungalow

Warwick - This 2 bedroom, 1.5 bathroom unit is part of a unique condominium development that was designed to reduce its carbon footprint and be energy efficient.

The lower level consists of a kitchen with solid wood cabinets, stainless steel fridge, gas cooktop and oven, powder room and a living/dining area with wood floors.

French doors lead to a private patio and garden. Just off the patio is a laundry and storage room. The upper level has 2 bedrooms with wood floors and 1 bathroom.

Off the master bedroom is a patio, accessed through French doors, that overlooks the common playground and has views of the South Shore. Additional features include solar system with battery backup, Watlington Water, solar hot water heater and reverse cycle airconditioning.

St. George’s - Great Opportunity For a Bed & Breakfast.

This beautiful and spacious home is located on Water Street, St. George’s. It is just a hop, skip and a jump away from the water and walking distance to the square. This home was once operated as a bed and breakfast with 5 bedrooms, 3 bathrooms, living room/ family room, dining room, large kitchen, 6 fireplaces and large basement. Also includes a large one bedroom apartment which could be converted into a two bedroom. The cedar beams throughout gives the home that quaint and historic look. The wooden floors were recently added and an en suite bathroom was completely renovated. National Trust Home (65 year lease). Mooring included.

Pembroke - This two bedroom, 2 bath cottage includes a one bedroom apartment for rental income. The apartment has a separate driveway. In need of some renovation, this property is ideal for a first time buyer looking to get into the market.

Moura and Associates - Albert Moura, 535-1453 or albert@mouraandassociates.com.

Moura and Associates - Albert Moura, 535-1453 or albert@mouraandassociates.com.

Moura and Associates - Alicia Cotti, 599-2081 or alicia@mouraandassociates.com.

www.ipn.bm • June/July 2015 • Island Property News 15

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Bermuda Coatings Co. Ltd Contact. Ramadhin Smith 5 Arlington Drive, Smiths Parish, FL02 Cell. 519-4523 Office. 295-5199 Email. rammysmith4@gmail.com or bermudacoatings@gmail.com 16 Island Property News • June/July 2015 • www.ipn.bm