We human beings don’t have natural fur coats, scales that absorb UV rays, protective hides, or cooling feathers to keep us safe from the ravages of a mid-August Bermuda sun. 

We need to protect ourselves in more inventive ways, and the SunSmart Programme has consistently gone above and beyond to help Bermuda’s young people learn the habits that will shield them from the deleterious effects of over-exposure to the sun. 

Azuree Williams is the driving force behind the Bermuda Cancer and Health Centre’s SunSmart Programme, and she is always ready to remind students of the most important lesson. 

“The 5 S’s of course! SLIP on protective clothing, SLOP on mineral based sunscreen (SPF 30-35), SLIDE on sunglasses, and seek SHADE between 10am and 4pm – and a bonus ‘S’ is to STAY hydrated. 

“All of these simple protection measures give people informed, easy steps on how to protect the skin they’re in and reduce their skin cancer risk.” 

Reducing the risk of skin cancer is, of course, the primary focus of the SunSmart Programme. As with all forms of cancer, prevention is very much the best policy – so learning healthy habits early is essential. But is any single habit more important than the others when thinking about being sun smart? 

“Really, one should practice a combination of all five habits in order to be truly SunSmart because one over the others will never give you 100 per cent protection. 

“Sunscreen alone is not enough because it only provides around 96 per cent protection. Ultraviolet Protection Factor clothing is ideal. The higher the number of UPF protection on the clothing label, the better – and you don’t have to reapply like sunscreen.” 

Kids and adults are constantly reminded to practice the 5 S’s whenever the sun outside is oppressive, but has the SunSmart Programme really made much of an impact since its inception? 

“Absolutely! We do not have enough data to have followed around all the students who are now adults, who have experienced the SunSmart programme, but via the feedback from our radio interview segments for SunSmart, and our free presentations, the public seems to be listening and calling in to inquire about choosing the best sunscreen,” Mrs Williams said. 

“I’ve been running the programme for just over a decade and the calls and emails and concerns have been steadfast over the years, which alerts me that we are making a difference and people are tuned into their health and well-being.” 

Always keeping the focus on reaching young people with its vital message, the BCHC has recently recruited a popular local mascot to their noble cause. 

“At the moment we are reviewing, and in the process of revamping and reinvigorating the programme. Two years ago, we introduced Tiny the Tree Frog – special thanks to Elizabeth Mulderig, local author and creator of Tiny the Tree Frog, for giving us permission – as one of our new mascots joining our SunSmart girl, Piper Palmetto.” 

Although there is no official data to verify the SunSmart Programme’s impact on the general Bermuda public, it’s clear that we have become more aware of the dangers of over-exposure to the sun over the last decade or so. 

With all the excellent work this amazing programme has done, including free presentations from preschool to high school, free community Lunch and Learns, and free accreditation training for summer camps annually, it’s clear that the SunSmart Programme is doing its part to keep us safe in the sun. 

The post Sunsmart kids become sunsmart adults appeared first on RG Magazines.

Stoic, unflustered and routinely cool under pressure describes Arthur to a tee, so hearing that the brother I have known since our days patrolling the Eastern parishes together as constables on D Watch in the early 1990s has survived cancer – twice! – was not all that shocking. 

Of course Arthur survived cancer! Nothing can ruffle Arthur! 

Yet even a man who may well have an alter-ego from the planet Krypton has to pause and reflect when he hears the word “cancer” come out of his doctor’s mouth. Cancer, in any form, is the quintessential conflict of any narrative – and a certain turning point in every human story it has ever touched. For this man, that story began with a series of early morning nosebleeds in 2020. 

“This went on from February to March,” Arthur said. 

“I was having nosebleeds, almost daily, around 5.30 in the morning. One of my nostrils, pretty much every day, just blood coming out – and that’s not normal. That’s the body trying to tell you something. 

“I went to my GP and, eventually, I had to practically plead for a referral to a specialist, because he was trying to diagnose it himself. So, I got to go to an Ear Nose and Throat specialist, Dr Philip Bell, who was practising in Bermuda at the time. 

“From the scans they took, Dr Bell could see I had a blockage in my nostril that could be corrected with a routine surgery. By August, Dr Bell had removed about 80 per cent of the polyp that was blocking my nostril, but he had found something else as well. 

“When I went back to him for my check-up after the surgery, I noticed that he had this doom and gloom look on his face, like what he had to tell me would hurt him to say more than it would hurt me to hear. 

“That was when he sat me down and told me that the polyp they had found was not benign, but actually a rare form of skin cancer called squamous cell carcinoma.” 

This diagnosis led to a whirlwind of treatment, including several trips to Brigham and Women’s Hospital in Boston for more surgeries. The priority quickly became removing the remainder of the cancerous polyp before it had any chance to spread – the proximity to Arthur’s brain was a pressing concern. 

For Arthur, this was simply a call to do whatever he had to do to survive this disease – including 33 rounds of radiation at Bermuda Cancer and Health Centre after the experts in Boston cleared the malignant polyp out of his nostril. 

“That was the challenging part for me, because it involved being fitted with a mask that pressed down on my face – and I’m claustrophobic!” he said. 

“Every day from October to December, except weekends, I endured a half-hour radiation treatment session. I had to be bolted to a table: I couldn’t get up, I couldn’t even turn my head. But I got through it, because this was my life; and after the radiation treatment for 33 rounds, my scans came back clear.” 

Arthur’s most recent tests show that he is still clear of squamous cell carcinoma, and he said having a positive attitude and a small circle of staunch supporters were key factors that helped him through the entire ordeal. Cancer, however, was not finished with our hero yet. 

Fast-forward to 2022, and Arthur is shaken with another diagnosis. Scans during treatment for a bout of Covid-19 revealed a dark spot on Arthur’s diaphragm: a dark spot that would eventually be diagnosed as Non-Hodgkins Lymphoma. 

“So, it’s back to the whole thing of, ‘How am I going to deal with this?’ Emotionally, it really messed me up – like, I’m here saying, ‘Why Me?’ I’m thinking I’ve got one foot going in the right direction, I’m getting pulled back, right?” 

At this point, Arthur had an opportunity to do a training course at the FBI Academy in the United States, and this proved extra motivation to get through this second major setback. 

Perhaps the most fortunate aspect of those taxing years was that both cancers were detected at an early enough stage to treat them effectively. 

“Both cancer diagnoses, luckily, were in the early stages, which is good. Well, it’s not good to say that you have been diagnosed with cancer, but it’s good to catch it early so treatment can start.” 

Radiation treatment began on the Non-Hodgkins Lymphoma in late 2022. By April 2023, Arthur was able to attend his FBI training course. 

Of course, the doctors advised Arthur to go easy on physical activity, as radiation takes a heavy toll on the body – but he trod on. 

“I got through my FBI training course, physical activity and everything. I managed to get through it. Didn’t ask for any favours, did everything that was expected of me – so I graduated from the FBI Academy in June 2023, and here I am today.” 

Talking to him, you get the impression that Arthur is prouder of graduating from the FBI Academy last year than he is to be a two-time cancer survivor. That’s who he is though – a rock who has always made it a priority to serve Bermuda. He even said that he faced his first diagnosis more as “Arthur the police officer than as Arthur the human being”. 

This steadfast sense of duty and devotion to those closest to him served him well during his cancer journey, which still isn’t finished. He has been clear of squamous cell carcinoma for four years now, and the Non-Hodgkins Lymphoma has been dormant for over a year. Unfortunately, the Lymphoma tends to return – but he will be ready if it does come back. 

If you see Chief Inspector Arthur Glasford on the street, wish him well, and ask him to show you the S he wears under his white uniform shirt. 

The post Journey of Duty and Devotion appeared first on RG Magazines.

This is why many scholarship committees value community service so highly. A scholarship winner who serves their community is more likely to shine a positive light on the selectors who rewarded him or her, than a winner who has never served. 

Students who plan on pursuing scholarships in Bermuda can greatly enhance their chances of landing one if they get into the community and serve as best they can. Two great organisations to volunteer for are Bermuda Is Love and Keep Bermuda Beautiful (KBB). 

Aaron Crichlow is a founder of Bermuda Is Love, and is enthusiastic about student volunteers. 

“Bermuda Is Love is a community organisation focused on building a community of love where everyones basic needs are secured. Our vision is a Bermuda where everyone recognises and acts on their duty to love and care for others. Our mission is to create a society where the basic material needs of all are met and guaranteed by law. 

“Effectively, we advocate for basic needs as human rights – the right to food, housing, clothing, healthcare, education, access to justice, and a healthy environment – through all of the events that we organise, with love as the grounding principle.” 

The ethos of duty and communal love are elite human values, and learning these well at a young age will invariably benefit the learner and the learner’s environment alike. Bermuda Is Love provides invaluable services to countless community entities, Mr Critchlow expounded: 

“Our community events include volunteering at housing shelters, feeding programmes and food pantries, community gardens, clothing drives, upcycling events, free clothing giveaways, blood drives, free health screenings and community clinics, trash cleanups, free legal advice clinics, a scholarship and mentorship programme, as well as a host of other events, workshops, panel discussions, and educational events.” 

Bermuda is Love is happy to provide character references for student volunteers, and can be found on their social media outlets – Instagram @bdaislove; X @bermudaislove; facebook: Bermuda Is Love; TikTok @ bermudaislove. They can also be contacted via email at [email protected], and by telephone on 732-1899. 

Keep Bermuda Beautiful (KBB) is an indispensable Bermudian institution. Their drive to present the very best of Bermuda is timeless, and their capacity to inspire Bermudians into action borders on legendary. Angel Smith is their executive director, and she encouraged all students to get involved. 

“We will always welcome students to engage in our clean-ups. Any student who wants to participate can find opportunities via our KBB website. 

“Another avenue is to apply to join KBB as an intern. Currently, we have three interns working for us as educators, clean-up leaders and social media coordinators. Any interested student should send us an email at [email protected]. We would love to hear from them.” 

As far as scholarship applications go, KBB will fully validate community engagement for students. 

“We can offer a certificate of appreciation and a community service hours sheet as a reference. It has been our privilege to work with students who consistently dedicate themselves to beautifying this island. Many students have even initiated their own clean-up programmes at their schools. At KBB, we recognise and celebrate this exceptional level of commitment.” 

Along with their education programme, the KBB intern scheme provides opportunities for students to serve Bermuda. Ashlee-Rose Wilson is a current education intern with KBB, and she swears by their commitment to improving Bermuda for generations to come. 

“I knew that KBB was a force for good in our community. I wanted to be a part of that. Bermuda is my home. It is a radiant jewel in a sparkling sea. I want it to stay that way. By first learning myself, and then educating others, I can help to keep our island beautiful. I have learned so much about protecting our land and ocean from litter. Now, I see things in the store differently. I shop differently. Education, learning, knowing, opens the doors to new opportunities. I am privileged to be a part of that for KBB.” 

The post Help yourself and serve your community appeared first on RG Magazines.

Felicia Wilsen is a KPMG partner, and Lift Off Program chair. She broke down the variety of opportunities available for students: “The Lift Off Program is designed to provide skills development, an opportunity to interact with our client engagement teams, as well as providing exposure to professional networking to accelerate a graduates’ career.” 

The list of opportunities students can look forward to taking part in include the work shadow program, scholarships, summer internships, co-op placements, and the Lift Off Program proper. 

Ms Wilsen disclosed that the work shadow program offers access to KPMG’s “Audit, Tax, Advisory, Finance, HR, Markets and IT departments to high school students interested in observing, gaining insight and exposure to our professionals’ day-to-day roles in an office environment.” This program, which takes place over two days in April, is where students not only shadow an employee, but they take part in presentations, hearing from various KPMG staff members. 

Perhaps the most generous component of the KPMG scheme is the KPMG Scholarship, an annual financial award of $30,000 for up to four years. This scholarship is provided by the partners of KPMG, and is awarded to high-performing Bermudian, BOTC and PRC holder students who are either entering, or are currently in, university. Successful candidates must be interested in pursuing a career in accounting. 

“Since 2021, KPMG has also collaborated with Frontier, an Artex Company, to award an accounting Scholarship which is valued at $15,000 per annum for up to three years. The KPMG and Frontier scholarship recipients will take part in KPMG’s Global Advantage Program. The recipients will travel to one of our global KPMG offices to attend a four-day global leadership program designed to attract top KPMG talent. At this program, students will experience development training, networking with over 100 students from over 10 countries, historical and cultural activities, and client interaction.” 

These scholarships also offer successful applicants full-time employment within KPMG’s Lift Off Program upon successful completion of their degree, paid summer internships, access to an in-house professional coach, along with invaluable mentorship opportunities. 

The KPMG summer internship is a 10 to 12 week paid internship offered to, “a select group, 10 – 15, of Bermudian, BOTC and PRC holder students. During this time, interns take part in charitable projects, network with industry professionals and plan our annual summer ‘K-Nect’ student networking event. At this event, parents, teachers and students can find out how KPMG can help shape students’ interest in business and financial services into a rewarding career.” 

KPMG also helps successful applicants with professional exposure, offering work-experience placements with their co-op placement program. This is designed for students who may require work experience as part of their university degree. 

This comprehensive scheme sounds awesome, but what kind of candidates are KPMG looking for – and what should applicants be mindful of when they are compiling their application packages? 

“We are looking for inspired students and graduates, who want to become the best at what they do, innovate, effect change, drive for results, stay passionately committed to excellence and take a global view of both the accounting profession and their role in creating their career. 

“When students are submitting their application, they should ensure they have all the requested information that is asked for in the application, have someone proof-read their application, and supporting documentation to check for typos, and ensure their social media pages have a positive outlook, as we research candidates online.” 

Once a candidate has secured their place within the KPMG scheme, they have access to local and international coaching and training: 

“KPMG in Bermuda has a dedicated Learning & Development team that not only provides training, but provides in-house coaching to students. In addition to the local training received, the global firm also provides training sessions that the Bermuda firm employees can attend. KPMG also has a secondment program which allows them to be placed at other member firms within the KPMG network. In the past, employees have been seconded to offices in the UK and Australia.” 

The post Global opportunities for future accountants appeared first on RG Magazines.

Ms Sapsford is studying for a PhD in Maritime Affairs at World Maritime University. Her focus is on the internationally renowned Sargasso Sea. 

“I chose to study the Sargasso Sea because I have always been enchanted by it. We are lucky in Bermuda to get to experience the ecology of the high seas right on our doorstep. We have whales and sharks swimming past our shores, and high seas animals often wash in with Sargassum seaweed on our beaches. I spend a lot of time beachcombing. I started to look through Sargassum for critters – you can find shrimp, nudibranchs, and even the Sargassum frogfish hiding within. Many of the animals you find are endemic to Sargassum mats, and are adapted to live their whole lives on the high seas.” 

Her enthusiasm for ocean conservation is palpable, and her future plans involve continuing her important conservation work: “I plan to fully engage with international organisations connected to the conservation of the ocean. I would like to continue living in Bermuda and engaging with marine environmental protection here and internationally.” 

Ms Sapsford is aiming high with her conservation work, but how will this benefit Bermuda? 

“My work will give me greater understanding of how the governance of the high seas can be most effectively achieved – how we can work with stakeholders, and the existing legal regime to put measures in place, how they can be effectively implemented, and, to some extent, how they can be monitored and enforced. They relate specifically to Bermuda because our waters are so fundamentally connected to the Sargasso Sea, ecologically and economically. I’m also interested in gaining knowledge and learning lessons from the conservation of the Sargasso Sea specifically, which can aid in the conservation of other high seas areas.” 

Ms Sapsford’s philosophical approach to protecting Bermuda’s natural environment is something that must have made her stand out amongst other 2023 BZS Steinhoff Scholarship applicants, as it lines up perfectly with the BZS ethos. 

“Part of the BZS mission statement is to ‘inspire appreciation and care of island environments.’ This is something I feel I have really taken on. Sometimes I wish I was a scientist. But my work now is really intertwined with communications and international law. You can’t value what you don’t know. If we are asking people to conserve the marine environment, the first step is getting them to identify with it, care about and relate to it, and if done effectively I think this inspires people naturally to protect it. This is something I think about a lot with the high seas – we often feel cut off from the high seas, like they are so distant that they don’t matter – but they touch each one of us, especially in Bermuda. A big goal for me is to make people feel as enchanted with the high seas as I do, and thus feel inspired to protect it. 

“I started a science communications Instagram account, Sargassogirl, in 2021 with this ethos, and that helped me get a job at the Sargasso Sea Commission, and led me down a path to what I’m doing now.” 

Her educational journey had always been enriched with engagement in BAMZ programmes which, logically led her to the conservation journey she is currently on. Ms Sapsford advised future BZS Steinhoff candidates to never limit themselves, and always show their passion. 

“Something I was so thankful to the scholarship committee for was seeing my passion and drive, and potential to succeed in conservation, despite my lack of academic background in the field. So, my advice would be to devote yourself to what you are truly interested in, and don’t be put off from applying even if your formal academic background at first doesn’t seem to match up. In my experience, the process was more about the entire picture of the candidate, and I was so grateful for that approach.” 

The post Saving the Sargassum appeared first on RG Magazines.

That is, after all, what makes the annual Eastern Counties competition so special; family. Starting 120 years ago as a humble cricket game between St. David’s and Tucker’s Town (which later became Cleveland County), this culturally rich competition has always been about familial ties, and parochial bragging rights.

Veteran Eastern Counties Cricket Association (ECCA) member, and current President, Stephen Douglas breaks down the special mystique connected to the competition:

“It’s special as it started way back in 1904 between St. David’s and Tucker’s Town. The families have now extended to all parts of the island, and it’s talked about and looked forward to all year. It’s one of the best [cricket competitions in Bermuda] as it touches generations of families and communities that make it unique.”

Indeed, the Eastern Counties competition has always featured the very best cricketers from across the island. Top national teamers like Dwayne “Sluggo” Leverock and his nephew Kamau Leverock have both appeared for Flatts Victoria (FVCC), while Dion Stovell has played for Cleveland County (CCCC), and Albert Steede and Clay Smith enjoyed a very productive spell in County Cup with St. David’s (SDCC).

Other national legends, like Noel Gibbons, Charlie Marshall, Glenn Blakeney, Clarkie Trott, Lionel Cann, O. J. Pitcher, Dale Fox, Aaron Adams, and Alan Douglas (Senior and Junior) have simply represented the neighborhoods they have strong familial ties in.

As a fan, I had no real choice but to support St. David’s. Of course, I truly believe that Lord’s is the very best arena for cricket in Bermuda, but I can’t say I don’t have fond memories of Saturdays spent at Seabreeze Oval cheering on our Warriors. In those days, the cup-holder hosted the game until they lost the cup. So, because all I ever saw was St. David’s or Bailey’s Bay (BBCC) win the cup … I don’t even know where the other two teams would’ve hosted their games.

These days, the competition is hosted by SDCC at Lord’s and BBCC at Seabreeze Oval on a year-about basis – an arrangement that allows all the clubs to share in the annual profits that the competition generates.

This year, the competition will be held at Lord’s, and there will be camp plots available through the ECCA. The first game will be contested two weeks before Cup Match, on July 20, and will feature the cup holders BBCC defending their crown against the formidable Cleveland County.

Once the first round is decided, the winner will take their team down to Lord’s again on August 17 to face the home team, SDCC. As the competition mandates, the winner of Round 2 will then clash with Flatts Victoria on August 31 – in the final. Whoever holds the title after all three rounds have been played will be the 2024 Eastern Counties Champion.

SDCC President, Céblé Crockwell wants supporters to know that SDCC fully intends to get that cup back!

“It is always our plan to get the cup and to retain it. We are fully dedicated to the 2024 cricket season and the work to regain the cup has already begun. The Executive and Management fully support our cricket team and our fight to come out on top for the 2024 series.”

This is the general consensus for all the teams, and, indeed, communities involved in Eastern Counties. In the Eastern Counties, we play the game to win!

Ms Crockwell outlines her thoughts on why the Eastern Counties have endured for so many years, and consistently enjoyed a high degree of popularity.

“Eastern County was the first to be played, and the dynamics of the game have not died. It started with families from St. David’s and Tuckers Town, and this tradition has carried on for many years. The banter, the love for the sport and the overall union that is involved with Eastern Counties can be felt weeks before the first game is played. Many families can trace back generations of cricketers who have represented their teams over the years. It is an honour and privilege to be selected for your community’s ‘Cunny’ Team.”

She also promises a typically memorable experience for patrons who make their way to Lord’s to partake of the Eastern Counties revelry this year:

“When Cunny is played at Lord’s, fans are always in for a treat. Our grounds are the best in Bermuda (arguably) and we plan to deliver a safe environment for all in attendance. There are some announcements that will come from the ECCA Executive in reference to the competition, but as the host venue, St. David’s CCC are working closely with the ECCA to deliver a prestige venue on each game day.”

Holder’s Bailey’s Bay will want to be present for the entire series this season too, as the priority for any team that wins the cup is to hold it for as long as possible. BBCC Vice-President Damon Edwards knows that the road to retaining the Cup will be a grind, and has some serious reverence for the history behind the competition.

“What makes it so special is the fact that it’s so community oriented. It’s not like the other Counties, where they invite a whole bunch of people in, and they could play for whomever, and represent the club for that period of time – this was basically families, communities that organized this competition.

“So, it’s strictly community – Harris’s Bay (Cleveland), strictly community; obviously St. David’s, and the Flatts community, you know. I believe it’s the best competition simply because of that element. And basically, we have a vast amount of talent in the East, within these four communities – not saying that we don’t have talent in other parts of Bermuda – but we’ve always had a real array of talent in the East End. Which just made it a great competition.”

The post Is the Eastern Counties Cup Competition the Best of its Kind in Bermuda? appeared first on RG Magazines.

One of our neighbours showed up with a chainsaw, as soon as the wind subsided. Several others wandered up with their brute strength. One thing led to another, and the massive tree section was cleared from our driveway in no time.

I remember lifting the cut pieces of that tree – it was not light! Our neighbours, however, made remarkably light work of it.

This is what it means to be a Bermudian after a storm. If we are able-bodied, we get out and make sure that we all made it through the chaos unscathed. Then we help each other to clear up, or give avocados to those in need, or provide hot meals for folks who don’t have electricity yet … the list, of course, is exhaustive.

Lovitta Foggo, MP for Constituency 3 (St David’s), has always tried to help where she could during hurricane season.

“For me, especially with seniors and those in need, I have helped by providing hurricane supplies, such as LED lamps, batteries, and non-perishable foods; making sure those who did not have the means were adequately supplied with such,” Ms Foggo said.

“I have engaged persons in my constituency who have the means and willingness, to donate supplies such as plywood and free labour, ensuring those in need are properly boarded up and protected.

“I have, with friends and able-bodied persons – especially once a hurricane has passed – gone out to survey the constituency to ensure persons who need assistance are helped. When there was no electricity, my neighbours and my family have cooked our food on grills, ensuring that we, and others could have hot meals. We have also shared our generator so that persons’ refrigerated goods didn’t spoil.

“Hurricanes have a way of humbling us, and reminding us of who we are as individuals. The aftermath of a hurricane reminds us of the value and importance of neighbourly love. It brings to the fore that we are our brothers’ keepers, and that, together, we can overcome.”

Perry Thompson, food and beverage captain at The Loren hotel, has a post-hurricane attitude like my neighbours in the story above.

“Once the hurricane has passed, and it’s deemed safe to go outside, the first thing to check is your property for any damage — roof, yard, fences, vehicles,” Mr Thompson said.

“If there is nothing major, then you take a walk around the neighbourhood. There may have to be clearing of trees and branches from the road. Inspect surrounding houses to see if they need any help in clearing up debris that might have been scattered from the high winds. Almost everyone has tarpaulins stored, so if there’s a roof that needs covering, they would be brought to the house, and the holes covered.

“I know our neighbourhood does not wait for Belco or Works & Engineering to come clear the roads. We come with our goggles, gloves, clippers, rakes, and buckets, and proceed in getting the areas back to normal.”

Retired police officer Hiram Edwards said that during and after a hurricane, “emergency services step up to the plate, and residents and businesses come together for Bermuda. From the engineers and communications folk at Belco and Bermuda Telephone Company, to the staff at the hotels. I am confident our neighbours will continue to always look out for one another.”

The post Who needs avocados? appeared first on RG Magazines.

Fortunately, we live in one of the most well-insured places on Earth. One of the island’s longest established domestic insurers is Argus, a company that has earned a local reputation as a giant.

Angus Crumley is the assistant vice-president of claims at Argus, and he spoke to us about why policyholders need not be too concerned about hurricane-related damage once the winds have dissipated and the bills start to mount.

“Argus Insurance Company Ltd (AICL) has a comprehensive Hurricane Plan that forms part of their Business Continuity Plan (BCP),” Mr Crumley said. “The overall Argus Group BCP includes individual plans from all departments and is reviewed and updated annually. Likewise, the Argus Hurricane Plan is updated prior to the start of the Atlantic hurricane season.

“This plan is mandatory for compliance purposes and includes special training for all AICL staff. Training sessions are conducted to refresh staff on their roles and responsibilities within the Hurricane Plan.

“Any new staff members are trained on how to enter claims and perform their duties as part of the plan. The Hurricane Plan itself is a living document, subject to annual updates and amendments, such as the shift from paper forms to electronic formats and incorporating a pandemic addendum.”

Planning is key for making it through any natural disaster, and knowing that Argus is so thoroughly prepared for what may come is comforting for its clients.

After a storm, clients will naturally be anxious, and claims will accrue quickly – but there’s no real formula for calculating how many claims will come, or how much damage will be done.

“The number of claims following hurricanes can vary significantly,” Mr Crumley said. “For example, Hurricane Fabian resulted in more claims for a single event than any other storm in recent times. The overall number of claims depends on factors like the storm’s path, its category, individual preparedness, and additional phenomena, like tornadoes.

“For instance, during Hurricanes Fay and Gonzalo, which struck within a week of each other, Argus inspected and categorised all reported damages from Fay before Gonzalo arrived. This proactive approach ensured clear differentiation between damages caused by each storm.”

Typically, Argus will assess damages as soon as it’s safe and practical to do so. This is a necessary process, and it is quite methodical and thorough.

“The process begins with local inspectors from Argus visiting as many properties as possible to photograph and list the damages,” Mr Crumley said. “This information is then handed over to overseas adjusters who handle the majority of claims.

“The adjusters will work from local contractors’ estimates, or request a quantity survey (essentially an estimate of the damages), and work with the policyholder to agree on the amount. The agreed amount is then transferred to the policyholder electronically. Claims are settled as soon as possible.”

The system is designed to be straightforward, efficient and fair. Argus knows that losing something to a hurricane can be traumatic, and does its best to make the claims process as easy as possible.

Every now and then, Bermuda experiences a “big one”. At those times, Argus is ready to deploy the full compliment of agents at their disposal to help get Bermuda back to some semblance of normalcy as quickly as humanly possible. Mr Crumley is proud of this special phenomenon.

“The contingency plan is embedded in the Hurricane Plan, which involves all staff from AICL, including those from departments like underwriting, operations, and accounts,” he said.  “Depending on the severity of the storm, and the number of claims, additional adjusters from overseas  are brought in.

“In past experiences, staff from other departments, such as health and pensions, have also volunteered to assist, making the process a collaborative effort across the company. You’d be amazed at how much everybody comes together to be a part of it. They’re all always eager to get stuck in and help out where they can. We love that.”

There’s a certain satisfaction in knowing your company stands at the forefront of restoring peace and alleviating trauma after a natural disaster. Mr Crumley speaks with passion about times when Argus performed well after a storm.

“Notable examples include Hurricane Fabian, which resulted in a significant number of claims,” Mr Crumley said. “Another instance is Hurricanes Fay and Gonzalo, which hit within a week of each other. Argus managed to inspect and document all damages from Fay before Gonzalo arrived, ensuring clear differentiation between damages caused by each storm.

“Additionally, during Hurricanes Fiona and Earl, a similar approach was taken to categorise and address damages efficiently.”

Mr Crumley emphasises the importance of personal safety and offered advice to clients putting their claims together once the storm is over.

“Policyholders are advised to prioritise their safety first and foremost,” Mr Crumley said. “They should take photographs of the damaged property, remove undamaged property if it is safe to do so, and take immediate remedial actions to mitigate further loss or damage.

“It is crucial to retain receipts for any expenses incurred during this process. A loss inspector will contact the policyholder as soon as possible to proceed with the claim.

“Additionally, it is important for policyholders to regularly review and understand their insurance policies to ensure they have the right level of replacement cover. By validating that their coverage is adequate, policyholders can reduce their risk to property damage and personal financial exposure. This ensures that policyholders are better prepared in the event of a hurricane.

“Making sure your policy is up to date and understanding the extent of your coverage are critical steps in safeguarding your property and finances.”

The post Staking your claim appeared first on RG Magazines.

Keeping Bermuda switched on is not a small task, and Belco has a few tips for property owners that will help us to help them get the job done. Shelly Leman, Belco’s managing director of transmission distribution and retail, provided a wealth of advice.

“It is paramount for customers to commence, and maintain, hurricane readiness throughout the entirety of the season, as it is of the utmost importance to do what we can – well in advance – to maintain safety and minimise destruction, danger and loss of power,” Ms Leman said.

“One of the most effective methods of maintaining storm readiness and safety is to trim trees back so that they are at least ten feet away from power lines. Fallen tree branches can pull down power lines and even entire utility poles. These downed lines pose a serious electrocution and fire hazard.

“Trimming trees can also reduce the risk of one of the most inconvenient parts of a hurricane: losing electricity. Most outages in Bermuda are caused by trees falling on power lines, even in years where Bermuda avoids a direct hit. By keeping trees trimmed at least 10 feet back from power lines, the majority of outages can be prevented.

“Belco is not responsible for trimming trees on private property. The sole responsibility for keeping trees trimmed and cut back from power lines lies with the property owners. It is critically important to remember that a power line’s electricity must be disconnected before trimming trees next to it. Belco and the customer will choose a date and start time, usually three weeks from the date of request. To schedule a temporary disconnection for tree trimming safety, property owners can call Belco at 295-5111, or e-mail [email protected] three weeks in advance.”

Bermuda’s power lines are exposed, so the prioritising of tree-trimming makes sense. Of course, even trimmed trees can still damage lines, and we have all seen viral videos of powerlines sparking and dancing in the wind over recent years – so do all you can to keep the lines as clear as possible.

The Belco plant is constantly running, and that doesn’t change before, during, or after a hurricane. Internal operations need to be sharp and polished if Bermuda is going to weather the storm and come through smiling. Hurricane season is when our electric light company shines brightest.

“At the start of the hurricane season, Belco ensures that internal emergency procedures are up to date.” Ms Leman said. “All departments within the company are involved, and each has a vital role to play.

“Belco implements a set of emergency procedures when a hurricane, or tropical storm, becomes a threat. Belco’s Crisis Management Team is activated, and meets regularly to monitor the approach of the storm, to execute pre-storm checklists, and ensure supplies are stored at strategic locations around the island in preparation for recovery efforts.

“In advance of a storm, and before weather conditions deteriorate, crews, trucks and equipment are positioned in the west, central and eastern parts of the island. If the Causeway is closed, crews and equipment are already stationed to the east of the Causeway so they can begin restoration efforts before it is reopened.”

Sparking lines is a testament to Belco’s desire to keep their clients powered up through any weather. To that end, they don’t shut off power to clients unless it’s absolutely necessary – and that includes during the restoration campaign.

“Before and during a storm, Belco never intentionally shuts off power to any customers,” Ms Leman said. “Any outages will be due to the impact of the storm. Once the storm has passed, and crews begin restoration work, there may be occasions where power needs to be shut off to some customers so that repairs can take place elsewhere on the grid.

“These outages are kept to a minimum, but at times are necessary to ensure the safety of Belco crews during restoration efforts.”

Belco says customers who require access to electricity for medical concerns should relocate during a storm if they have to. There is no way of knowing when power can be restored to every home, but the Belco team keeps working until all of Bermuda has power again.

“In the case of a storm, and the possibility of an extended power outage, Belco advises medical device-dependent customers to relocate themselves to a facility with backup power generation, such as King Edward VII Memorial Hospital, to ensure they have access to the care and resources they require,” Ms Leman said.

“Depending on the severity of the damage to the transmission and distribution system, Belco cannot guarantee electricity for the duration of the storm, and cannot guarantee when restoration to an individual home will be completed following the storm.

“Power is restored according to a specific plan. Main line circuits must be restored first so that branch lines can then be repaired in order for power to be restored to homes. If a customer has lost power, the main and branch lines must be repaired and energised before damage to a specific household can be fixed, or else there will be no power feeding into the lines that supply that home.”

Belco implores residents to avoid downed powerlines, as they may be live. Customers should also report outages, unplug devices and appliances before the storm hits, keep out of the way of Belco restoration crews, and monitor restoration campaign progress on belco.com, and their social media outlets.

Lastly, Belco greatly appreciates the encouragement and love their crews invariably receive from the community when they are out working tirelessly to get the power back on.

“During post-storm restoration efforts, the Belco team are always motivated by the community’s kindness and understanding,” Ms Leman said. “When people post words of encouragement on social media, or say ‘thanks’ to our working crews who are often working long hours in hot, humid conditions, the team are incredibly thankful.”

The post Keeping Bermuda switched on appeared first on RG Magazines.

When a basic shelter is not enough, serious considerations must be made. Denise Carey is the executive director of the charity Home, whose mantra is, “Ending homelessness”. Ms Carey shared the concerns Home considers when a hurricane is imminent.

“Severe weather protocols are needed for people sleeping rough when there is an increased risk due to the weather — for example, exposure to storm-force winds, rain, or hurricanes. These protocols serve as a temporary response to a heightened risk, and is in addition to the night shelter and hurricane shelter.”

Staying informed about the movements of an approaching hurricane is important for all of us. Ms Carey reminds us that people living outside are still very much members of our community.

“People living outside communicate with other people in our community,” she said. “For example, people sitting at the bus terminal hear the discussions of people walking by, they read the newspaper, chat with waiting passengers and bus drivers, access wi-fi, and some have WhatsApp.

“Standing outside grocery stores, they hear and see the change in activity as residents head to the grocery store to purchase hurricane supplies. They see plywood affixed to storefront windows, witness an immediate decrease in commuters, and alfresco dining ends abruptly as outdoor furniture is moved inside. Those who frequent Front Street and Albuoy’s Point notice how the water changes in the harbour, as ferries are cancelled, and cruise ships depart.

“People sleeping rough notice changes in humidity and cloud formations, and if they’ve been outside long enough, they notice how the trees dance to a rhythm that can only be associated with one thing. I might argue a rough sleeper notices the weather change before you do.”

If you stop to talk to someone who is living outside from time to time, you may learn that supporting these people is something we all need to do – especially during times when life and limb are at risk. Home suggests family members of people living outside should consider extending their support during these times.

“Persons living outside may have positive relationships with members of their family, and Home encourages parents, siblings, cousins, adult children, adult grandchildren, and close friends to use this time to reconnect, if only for a brief period,” Ms Carey said.

“When alerted to potential threatening weather, the family can agree on which relative or friend will conduct a wellness check with the person sleeping rough. Have a chat with them and try to plan ahead.”

When approaching relatives who may be living outside to discern whether they will be safe during a hurricane, Home recommends you ask a few questions, starting with: “Would you be comfortable sharing your plans to keep yourself safe during the hurricane? Where do you plan to sleep?”

If your relative plans on riding out the storm outside, ask them: “Is there shelter there? Will you be covered by a porch? Is there a door and window to keep you secure? How will you keep yourself safe? Will you be exposed to the elements? What will you do if you don’t feel safe there? How will you access meals? What happens if the weather worsens? What is your plan B? Have you considered going to stay at the emergency shelter?”

This seems like many questions, but it’s literally a matter of life and death. We want all Bermudians to survive every hurricane that comes our way, and asking these questions can be the difference between a loved one surviving unscathed or not.

Communication is vital when trying to ensure your family stays safe during a hurricane. Home further recommends having a post-storm communication plan; ask your at-risk family member: “How can I check on you during inclement weather and right after? Do you think you will be able to call me to let me know you are alright? Do you want me to call you?”

Always double check to confirm that you have all your family member’s phone numbers saved somewhere, and remind everyone to charge their phones so lines of communication can remain open.

If you actually want to invite a person who is sleeping rough to weather the storm in your home, Ms Carey suggests thinking carefully about it.

“This should only be considered when you have a close personal relationship, and you feel safe doing so,” Ms Carey said. “Before deciding to invite a close relative home for shelter during a hurricane, a family should meet to discuss the pros and cons of the invitation.

“The family should consider gender, physical limitations, mental health, diet, activities — do they smoke cigarettes, who else will be directly impacted by the stay, the history of your relationship, and which family member will offer their house for two nights during the hurricane.

“Keep the nights limited to two, and if things go well, you can always add one night at a time. Try not to overextend yourself the first time around. You are building bridges and want to keep the lines of communication open, and avoid conflict.”

Once the decision has been made, and all the questions have been comfortably answered, you can go ahead and arrange a pick-up time and location with your relative. Ms Carey provides the following guidelines to follow on pick-up day.

“Make sure you and one other family member or close friend are in the car when you go to pick-up.

“Do not bring anyone home who smells strongly of alcohol, or appears to be under the influence of mind-altering substances.

“Do not allow other people to enter your car.

“Do not offer rides to anyone other than your relative.”

Everyone’s safety is the ultimate goal. Do all you can to keep your family safe, but don’t put them at risk of anything more than the storm.

The post Homeless in a hurricane appeared first on RG Magazines.