USD $3.00
ENGINEERING
HOME AND OFFICE | ISSUE 5 | 2018
Toyota Zimbabwe
Celebrates it’s 8TH consecutive year as leading Superbrand in the motor industry.
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HOME PROJECT FEATURE
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DIAMOND VILLAS
ZIMBABWE GROWING TO NEW HEIGHTS
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We specialise in: Road Rehabilitation, Spray and Chip Surface Dressing, Slurry Seal, Asphalt Paving, Road Patching Supply of Hot Asphalt Proudly ISO 9001:2015 Certified
HARARE Head Office: 30 George Avenue, Msasa +263 4 447231-3
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BULAWAYO Branch Office: 10 Pretorious Street, Donnington +263 9 475510-1
enquiries@bitumenworld.net
www.bitumenworld.net
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CONTENTS 10
ON THE COVER TOYOTA ZIMBABWE
HOME IMPROVEMENTS 20 I. A. Z. Institute of Architects of Zimbabwe
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HOME PROJECT FEATURE
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SURVEY INSTITUTE OF ZIMBABWE
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VAKA CONCRETE 36 ORACLE SECURITY MERCHANTS
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MOTOLAC PAINTS 40 STEEL ROOFING: What to look for
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Z. I. E. 46 DUE DILIGENCE OF IMMOVABLE PROPERTY
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NYARADZO: Sahwira Wepadhuze
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MANIFEST CONSTRUCTION 52 JOE’S GARDEN 56 THE DESIGN TEAM 58 HARDMONDS ENGINEERING
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Z. I. A. 64 DIAMOND VILLAS 66 HARANE INVESTMENTS 72 FIRE INSURANCE 74
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Welcome to Building Engineering Issue No 5 We are certainly keeping our promise! We said from the beginning that the goal of this magazine was to become a major information hub for everyone, small or large, planning to build or make-over their offices or homes – outside or inside. Our desire is to provide you, the Home or Office owner, with all the experts, information, contacts, and suppliers you may need - in one place. And this edition is just yet another example of how we are fulfilling our promise …. plumbing, engineering, landscaping, contractors, carpenters, painters, security, electricians, retailers, architects, surveyors, home improvements, flooring, fencing, kitchens, metal work, granite, gutters, and more…! If there is anything or anyone we have left out – please let us know. We want this magazine to be your ‘one-stopshop’ for all your Building, Engineering, Home and Office Makeovers. In this edition we feature the new Toyota and Hino Service Centre. Did you know that for every 10 vehicles in Zimbabwe, 4 of them are Toyota? Their modern facility on Mutare Road in Msasa combines the role of head office and world class 3S flagship branch (3S – Service, Spares and Sales). We give you a look inside and detail the contractors and service providers who helped make it a reality. We also feature the Nicoz Diamond Villas in Hatfield, new cluster homes catering for the starting family, single adults or older couples. Thinking of Repainting? With the ever growing number of paint types, comes the challenge of selecting the right paint to meet your requirements. Unfortunately, due to misinformation, most people end up making wrong paint choices which fail to perform or last as expected. This is where Motolac Paints are the experts you need to consult. We also include helpful guidance from some of our governing bodies … IAZ (The Institute of Architects Zimbabwe), SIZ (The Survey Institute of Zimbabwe), ZIE (The Zimbabwe Institute of Engineers) and ZIA (Zimbabwe Investment Authority.) And so many more articles and resources! Clear a shelf to keep your copies of BUILDING ENGINEERING safe and easily to hand. You don’t want to lose any of this vital information! And don’t forget to subscribe so that you never miss a copy.
MAGAZINE CONTRIBUTORS Editor Laurie Thompson Marketing Arthur Mungule Tendai D. Satumba Designing & Layout Wade Penny Tafadzwa Photography Picturehub Contributors/Writers Shaw Bushu Institute of Architects of Zimbabwe (IAZ) Zimbabwe Institute of Engineers (ZIE) Maseko Law Chambers
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TOYOTA ZIMBABWE THE SUPERBRAND
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V
ery few will argue with the statement “Toyota is the car for Africa”, and Toyotas are loved and respected by customers throughout Africa. Zimbabweans are no exception and have spoken, having voted Toyota as the leading Superbrand in the Motor Industry sector for a record 8th consecutive year, confirmed by the Marketers Association of Zimbabwe Superbrand Awards 2017. The Toyota brand is everywhere in Zimbabwe. If you need to get somewhere, either in a bustling urban environment, out in the rural areas or in our beautiful wild countryside it will be in a Toyota. You know you’ll get there and back safely and reliably in a Toyota.
Toyota and Hino Service Centre It’s Toyotas commitment to QDR, Quality, Durability and Reliability in its products, and to providing the same high level of after sales service and parts backup, regardless of where you are in the world, that has endeared the brand to so many. But the love goes both ways, and since its founding, Toyota has sought to contribute to a more prosperous society in all the communities in which it sells and services its vehicles. Toyota takes its responsibility to give back into the community very seriously and supports worthy causes in all sectors of life from orphans, the elderly and the ill to wildlife conservation and sport. The brand is as diverse at the African continent itself. Toyota sponsored vehicles can be seen in the bush patrolling and protecting our valuable wildlife and at the other end of the spectrum on our racetracks thrilling local spectators in Toyota supported motorsport events. PAGE 11
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Q-Tile
Q-Tile
102 Lytton Road, Workington, Harare +263 778 201 982 +263 773 207634 Cell: +263 783 388444/ +263 783 388445 Tel: 0783 388162-5; VoIP: +263 8677006187 Email: sales@classecon.co.zw info@classecon.co.zw Website: www.classecon.co.zw PAGE 13
Laz DI520935-T15
The Parts Counter Seeking to reinforce its position as Zimbabwe’s leading automotive brand and raise its local profile Toyota recently invested in a state of the art new facility with the combined role of head office and world class 3S flagship branch (3S – Service, Spares and Sales). Situated with excellent road frontage the branch is sited at 67 Mutare Road in Msasa, and boasts a fully equipped 24 work bay service centre, national parts centre and spacious showroom. It is also home to Toyota’s admin team, customer care call centre and training facility. In addition, for the first time the Hino logo can be seen side by side with the Toyota one at the new facility.
The Workshop Internationally Toyota owns Hino trucks and in 2016 Toyota Zimbabwe completely took over the Hino brand in Zimbabwe and have invested in its growth ever since. The new facility has 7 dedicated heavy duty truck work bays operated by Hino trained and certified service teams. Hino parts are stocked, supplied for service and sold to the public over the counter, and new truck units are sold by Hino sales personnel with full trucking experience, side by side with their Toyota counterparts. This year marks 75 years of Toyota on the global market but think Toyota and two words also immediately come to mind, “Hilux” and “Corolla”. The legendary Toyota Hilux celebrates its 50th birthday this year and Toyota Zimbabwe are considering the release a limited edition to celebrate the milestone. The Hilux has been the best-selling pickup in Southern Africa for several decades and remains the work horse of choice for farmers, miners and industry to this day. It is simply the right tool for the job. The Corolla is the bestselling car of all time, not just for PAGE 14
Toyota but ever! In Zimbabwe statistics show that for every 10 vehicles, 4 of them are Toyota many of which are badged as Corolla or one of its variants. Zimbabweans share many fond memories of the Corolla and a significant number of households own one from as far back as the eighties and beyond still in good running order. Vehicle Sales Rep Station Toyota is the world’s fifth-largest company globally by revenue which is evidence of its enduring success and a proud heritage worldwide and in Zimbabwe. It was the world’s first automobile manufacturer to produce more than 10 million vehicles per year which it has done since 2012, when it also reported the production of its 200-millionth vehicle. With a heritage so strong and a commitment to Kaizen (Japanese word meaning “constant and continuous improvement” it’s safe to say Toyota’s position at the top in Zimbabwe is solid and this Superbrand is here to stay. PAGE 15
WINTER SPECIALS ON ALL INSTALLATION LESS 10% for the months of May - September
m: +263 772 275 947 | t: 665778 | e: gutters@ecoweb.co.zw a: 30 Douglas Rd, Workington, Harare P.O. Box ST 299, Southerton, Harare, Zimbabwe PAGE 16
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The Fire Consult Group has been established to provide a full range of fire protection equipment, system design, installation, maintenance, Service and training.
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Telephone: (263-4) 487833 496754 Fax: (263-4) 496753 Email: sales@fireconsult.co.zw
UNIT 2, 28 MARTIN DRIVE, Msasa P.O. Box AY 359 Amby, Harare
RE C ON SER SULT S VIC ALE E S DIVI S AND SION FI Fire consult designs and installs fire protection systems to protect premises covering the whole spectrum of commerce and industry: - warehouses - shopping malls / centres - hotels - fuel depots - banks - multi storey buildings
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HOME IMPROVEMENTS
H
OME IMPROVEMENTS started over 14 years ago as granite fabrication business and over the years has evolved and developed as a market leader in this field. We have traditionally fabricated and fitted local and Caesarstone granite tops and are planning to soon provide an even more exciting range of products for the discerning consumer. In 2016 we expanded our services to provide the designing and installation of all cabinetry for kitchens, bathrooms & bedrooms. We have successfully completed a number of very high-end projects putting to test our years of experience working with the stone we have acquired such abundant knowledge about, together with the timber and steelwork for our cabinetry. These projects have helped to build momentum for a determined upturn in our involvement in the kitchen industry in Zimbabwe. This momentum has helped to drive the expansion we have planned and has kept us very active during 2017 and 2018. Our future and attitude to our industry is positive and vibrant - we are here to ably assist our valued clients in achieving your “dream design” kitchen, bathroom or bedroom.
• • • •
Bars Tiling Tables Miter build ups
Home Improvements – Kitchen Division We offer: • Professional computerised Design and Layout Options, Cabinetry Design, 3D Visuals and Plans • Electrics & Plumbing Placement, Elevations, Scope of Works • Decorative Specification and Bill of Quantities. • On site project management Our Team consists of highly skilled carpenters and stone fabricators/installers. We are renowned for our Caesarstone, imported granite, marble work
and carpentry. Our Team have utmost respect for your home and furnishings and take the extra care in preventing dust and damage during our installation. We aim to leave behind us a clean site and happy client. Our growth has been made possible by instilling in our team a culture of “attention to detail” to all work we do regardless of the size of the job. This culture shift has been a key ingredient for our success. It has been of great benefit to us and has resulted in a continuously growing satisfied client base. Please visit our Facebook Page https://www. facebook.com/HomeImprovementsZimbabwe/ Or pop in and chat to us face to face, 13 Williams Way, Msasa.
Home Improvements – Stone Division We offer: • Design advice and cost effective ideas and suggestions. • An increasingly wide selection of both local and imported granite and Caesarstone products. • Extensive expertise and guarantees on our products and workmanship. • Free quotation within Harare We Fabricate & Fit:• Kitchen Tops • Bathrooms • Fireplaces • Cladding • Staircases PAGE 20
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$180 $180 $180
$280 $280 $280
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$210 $210 $210 $230 $230 $230
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I.A.Z. INSTITUTE OF ARCHITECTS OF ZIMBABWE
W
hat are the benefits of using an Architect for your project? There are many benefits to using an Architect for your project - regardless of the size and complexity of the project. Guidance & Vision The Architect is the one professional who has the education, training, ethics, experience and vision to co-ordinate the entire design and construction process, from helping you to define what you want PAGE 24
to build to helping you get the best value for your money and freedom from worry. Removing the mystery There is a misplaced sense of mystique about what architects do, a fear even that they will impose their own tastes at the expense of your own. Nothing could be further from the truth. Step by step, by consultation and agreement, your architect will lead you through the entire process from the first gem of an idea to the finished building. Imagination Architects have the imagination to see the overall, not just designing four walls and a roof but creating total environments, interiors and exteriors that will satisfy functional needs and that are exciting and dynamic spaces in which to work or live. Value for money Not only will architects provide better value for money, by finding that extra light and space you did not know you had, suggesting materials you had not thought of, making sure you find the right contractor at the right price, but in many instances they will save
their clients at least the equivalent of their fees. Safeguards There are format safeguards. The contract your architect recommends for the builder may contain such things as a clause that allows you to claim damages for every week/day the project unreasonably runs over and disrupts your home or professional life. This is doubly important because a project which runs overtime will often run over budget too. As work proceeds, your architect will save you time by dealing with problems and disagreements as they arise, leaving you free to concentrate on your own life and work. After the building is complete a percentage of the contractor’s account will be held back for three to six months depending on the project as security against any problems that may arise. This is known as the defects liability period. Saving you money A well conceived project can be built more efficiently and economically. Professional attention to detail will save money both immediately through the most efficient use of space and the careful selection of
material and finishes and in the long term through environmental sensitivity, energy efficiency, low running and maintenance costs. In the long run good design sells well – a well-designed house will have a higher resale value – a well designed store will draw more customers – a well – designed work environment attracts employees and increases productivity. Problem solving Architects are not only designers, they are also job managers. They will guide you through the complex procedures of planning permission and building regulations. They will help you find and brief any other consultants you may need - structural engineer or quantity surveyor for example. They will attend to detail, organize site meetings, contract documents and will monitor the builder’s programme of works through the competition.
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HOME PROJECT FEATURE
DISTINCTIVE SERVICES PROVIDED BY HOMELUX • VALUATION ADVISORY SERVICES • SALES AGENCY • PROPERTY MANAGEMENT SERVICES • FEASIBILITY STUDIES • CONSTRUCTION PROJECT MANAGEMENT • ARBITRATIONS • TOWN PLANNING CONSULTANCY • PROPERTY CONSULTANCY • PROPERTY DEVELOPMENT As a firm we are also thriving to play our part in contributing to the national housing delivery program under the ZIMASSET that will see more than 300 000 housing units being built throughout the country in the 5 years beginning 2013 to 2018. Our developments cater to people across the divide from low income earners to top end cluster housing developments in Borrowdale, Marlborough, Newlands, Greendale and Highlands. The company has expanded the scope of our projects into medium
and high density residential land developments to also cater to the low and medium income earners. Some of the developments underway include Kutandara Estate, Tynwald North comprising of 400m2 stands as well as Pleasant Valley Estate (Tynwald South) comprising also of 375m2 stands. We have on offer 2,000m2 completed low density stands in Philadelphia to also cater for the high end of the market. Kinsely Estate in Borrowdale offer upmarket 2,000m2 in a gated community as well and will be completed in 2018. We expanded into the high density sector and sold out 863 200m2 stands in Stoneridge and all this is in a bid to fulfil our mandate of being The Home of Real Estate. This decision to expand and invest in massive residential developments was premised on the fact that we have gained capacity in terms of capital structures and experience to handle construction projects over the past 8 years. As Homelux Property Development since 2009 we have invested in and constructed housing projects and commercial buildings. Some of these include:
PROJECT NAME TYPE
NO. OF UNITS
Levy (USD)
CONSTRUCTION COMPLETION STATUS
Troon Place
Cluster Homes (3bed)
7
$150
Completed 2013
Windsor Manors
Cluster Homes (3bed)
12
$150
Completed 2012
Victoria Place
Garden Flats (2bed)
16
$105
Completed 2013
Oxford Place
Townhouse (3bed)
18
$150
Completed 2012
Mitchell Manors
Garden Flats (2bed)
12
$105
Completed in 2016
Marlborough Mews Garden Flats (4bed)
16
$125
Completed 2016
Oxford Manors
Cluster Homes (3 bed)
23
$150
Completed in 2017
Naka Place
Townhouse (4bed)
17
$105
Completed 2015
Savanna Manors
Cluster Homes (2,3,4bed)
21
$125
Completion in March 2018
Proudly Zimbabwean, HOMELUX’s business philosophy is to be knowledge driven and guided by one allencompassing main objective: to safeguard against the client’s property risk.
H
OMELUX REAL ESTATE is an amalgamated commercial real estate services firm in Zimbabwe. We offer the most wide-ranging portfolio of services, including property management, corporate advisory services, property portfolio valuations, plant and machinery assets, property sales and leasing, town planning consultancy, project management, property development and research. Our methodology, philosophy and achievements are
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based on three fundamental tenets: • Sustainability and security of client’s property portfolio through our promise to best enterprise risk and quality management procedure based on our Culture of performing market-leading and landmark valuations. • Providing the most accurate property valuation data using bleeding edge technology though our robust integrated in-house Systems. • Applying recognised Standards to provide the requisite thresholds for investment and relationship success nationwide. • Proudly Zimbabwean, HOMELUX’s business philosophy is to be knowledge driven and guided by one all-encompassing main objective: to safeguard against the client’s property risk. PAGE 29
STANDS FOR SALE
Tynwald North - Kutandara Estate
Tynwald South - Pleasant Valley
Stand size: 400sqm Price: $26,000 excl V.A.T
Stand size: 375-500sqm Price: $25,000 excl V.A.T
Kutandara Estate is a new development in Tynwald North, just opposite Madokero Estate with 106 medium density residential stands. The development offers an affordable quiet lifestyle and is fully serviced and ready for deeds on payment of full purchase price.
Pleasant Valley Estate is an upcoming development in Tynwald South that has 160 medium-density residential stands. Servicing is in progress. The community will be gated and will offer several different amenities. Title deeds are available on payment of full purchase price.
*ONLY 12 STANDS AVAILABLE*
*ONLY 36 STANDS AVAILABLE*
CLUSTER HOUSES AND APARTMENTS FOR SALE
Rossal Rd, Greendale In a great location is this great investment offering favourable rental income as well as a good start-up home for the first-time home buyer. A total of 21 cluster units comprising of 2, 3 and 4 bedroomed upmarket apartments with lovely private gardens. One, 2 bedroomed unit on sale.
Price: $160,000
Brooke Valley Estate, Borrowdale Just completed is an exquisite development located in Highlands with 8 upmarket 4 bedroomed cluster units on 900sqm each. Top-notch 24hr security and beautiful gardens and borehole water. One unit has just become available. An opportunity not to miss.
Price: $400,000
An upmarket development in an amazing location offering great views. Located right next to Borrowdale Brooke Estate the complex offers 9 units each with 4 beds, 2 lounges open plan, staff quarters and lock-up garage. Communal borehole and very secure. Price: $350,000
Homelux Centre
108 McChlery Avenue, Eastlea, Harare, Zimbabwe, Tel: +263 4 788 107-11, www.homelux.co.zw Aaron: 0782 911 333 • Charmaine: 0782 911 999 • Kudzai: 0782 911 111 Elliot: 0782 911 444 • Simba: 0782 911 555 • Elijah: 0782 911 222 PAGE 30
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SURVEY INSTITUTE OF ZIMBABWE
A
team of experts, specialists and advisors in mining surveying ,spatial information management land surveying and spatial science can all be found under one body. The Surveyors Institute of Zimbabwe. With a rich history that dates back to 1928 when it was initially started as Land Surveyors of Southern Rhodesia and then Rhodesian institute of surveyors in 1967 before changing to its current name (Surveyors Institute of Zimbabwe), this organization has had a vast experience that has been carefully nurtured over a long time which also has been inculcated in every member or team that has joined this institution. This is a voluntary organization, seeking to promote interest in surveying and spatial information management. With a membership of over 200 individuals under a self-governing body its vision remains fostering a common understanding of Geospatial engineering disciplines in Zimbabwe in order to keep up with international trends. PAGE 32
To frame out its broadness, the institute engages the public, quasi-government, government and nongovernmental organizations on issues related to surveying on behalf of geo-spatial practitioners. As a member of the International Federation of Surveyors (FIG) which is the largest global housing for all GeoSpatial Practitioners making it in tune and able to Provide contemporary information on the latest trends in this field for its members. They have already embarked on their mission to continuously develop and raise the profile of geospatial engineering disciplines in Zimbabwe therefore enabling sustainable delivery of professional services. This in turn has helped them maintain a good rapport with all stakeholders and provide information and training on the various disciplines falling under their span of engagement. Located in the Harare Central Business District, the organization is also easy to access and is more than ready to link any client with a specialist in any area requiring any form of surveying from their broad database of professionals. In order for you to get the best, sustainable service or to kick start or boost your career as a surveyor visit SIZ today and get the best information and services to ensure a well catered for future in your project today! PAGE 33
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VAKA CONCRETE
O
nce considered a revolutionary innovation in construction, now a necessity, and soon to be a part of e v e r y o n e ’s life. Concrete. This is the one thing that Vaka Concrete specializes in and has managed to use as a way to mould peoples’ lives into meaningful ones, by providing various products that cater for any construction project. Started in 2012, Vaka has been growing in strength and has since then established a firm position in its market. Bricks , blocks and pavers make up its product portfolio and these products have been key components in major construction activities across Zimbabwe and beyond its borders. From the name of the entity “Vaka” which is a shona word which translates to “Build”, the company has its mission focusing on merging high quality and affordability for all their concrete products. This helps them strike a balance between instant gratification and long term appreciation for all their clients. To date they have amassed state of the art equipment which is cited at both their strategically placed plants PAGE 36
in Harare within Sunway City and Gweru. Both these plants churn out a combined whoping 140000 bricks per shift proving their capacity to deliver where needed. Through constructing sound relationships with all their clients they have managed to create an impact with a ripple effect that has resulted in bagging reputable brands as clients as well. Among these brands there is Homelux, Masimba construction, Midlands State University and Exodus& Company Pvt (ltd). With a dynamic environment on the business landscape, the senior management complements the business operations with a vast amount of experience from other industries where they were leaders, making the organization a versatile team of economic builders with one key mission. Helping you build. To plaster their ingenuity as a fine finish, all products have been approved by the Standards Association of Zimbabwe as compliant to the standards of the industry. The company is also a member of the concrete manufacturers association making it easier to maintain standards set and perform above board as compared to other local suppliers. Paying no attention to their superiority as a brand and executer would be a misjudgment , at Vaka , their track record has proved their work and their continual growth has cemented their future. The only thing left is to engage, deliver and build yourself to a more stable and fulfilling life. PAGE 37
ORACLE SECURITY MERCHANTS
W
e all have an affinity to protecting what we value most. This not only stops at our relationships with the people that surround us but even encroaches into our hard earned assets and investments. At Oracle Security Merchants our passion is to be the preferred provider for all electronic security products. This passion has formed our unbound height of ambition which we regard as infinite. Our mission as an organisation is to be a leading installer of security products with outstanding workmanship and supplying world renowned products. This is seen in the plethora of services that we provide to bolster our products, which include installation of equipment, maintenance, distribution and servicing among others. Our product portfolio on the other hand also does not fall short of expectations as we focus on various aspects of security oft taken for granted by households and organizations. Access control systems, Closed circuit television, intruder detection systems, mobile biometric clocking units and even electronic article surveillance make up a large portion of what we provide as we drive PAGE 38
to secure the interests of our clients and to help them operate in their environments with a peace of mind. Through integration of the afore mentioned products and services Oracle Security Merchants is able to break out of its immediate competitions’ space and outpace all other entities through providing an impeccable package for building management solutions. As from our establishment in 2010 to date, the model for a well satisfied client job has been developed to go beyond just product functionality. After Sales Service, 24/7 secure monitoring and security solutions to fit each client’s needs have also been fit in to add to the pillars that hold up the superiority in service delivery Oracle Security Merchants has. We also provide articles on the latest innovations in security and various tips on how to get the best out of your security products or making the right purchase. This not only helps prospective clientele but also builds a fortress of confidence among those who would be already using our products and accessing security services. All this information is on our website and readily available to provide convenience for all our stakeholders. As environmental watchdogs, we also understand the importance of safeguarding our future and our environment and so we have developed an environmental policy we strictly adhere to. A 360 degree approach to security and wellness is at the core of our delivery and we have moved each day with a passion to deliver in that regard. The height of our ambition to provide the best electronic security solutions will always be infinite.
ELECTRIC FENCES
GATE MOTORS
For your all your Security Solutions, call us for free assessment & quotation on CALL US: +263 8644 053 561/ +263 77 3 262 400/0772 854639/077 4 699 599 Email: sales@securitymerchants.co.zw Website: www.securitymerchants.co.zw
CCTV
INTRUDER ALARMS
ACCESS CONTROL
BOOM GATES
AUDIO & VIDEO INTERCOMMS
RAZOR WIRE
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MOTOLAC PAINTS
S
tructural designing and construction are never said to be complete until it is coloured with the right paint. The decision and choice of paint type and colour is crucial if the best beauty is to be achieved. Putting your structure as a cut above the rest involves youamong other finishing workschoosing the right paint type and colour that will stand the test of time by maintaining its originality over an extended period of time. With the sprouting of numerous paint types in recent times, property owners are presented with a difficult task of selecting paint brands which will meet their expectations. Unfortunately, due to misinformation, most people end up making wrong paint choices which fail to perform or last as expected. This is where Motolac paints come into the equation. Our company ensures that your house or property gets the beauty it deserves manifested in the colour of your choice using only the best of the best paint brands with guarantees of up to 15 years. With an experience spanning for over two decades, Motolac paints have gained popularity in the paints industry through its association with property developers and ordinary residential house owners in Zimbabwe. As such, the company has associated itself with only the world’s top of the range paint brands which meet the requirements of its clients. Motolac is an innovative customer oriented entity seeking to provide optimum solutions to meet its client’s requirements by providing a range of comprehensive range of quality coating products PAGE 40
which are safe, non- toxic, environmentally friendly and sustainable. This is also supported by our great service, satisfaction, and affordable pricing. Motolac has for long been in association with good brands in the paint industry. It is against this background that the company distribute the following internationally recognised paint brands which are a force of reckoning in the market;
DULUX Dulux is a local but internationally recognised brand which has managed to stand the test of time in the paint industry with a specialty in decorative paints and wood finishing paints. The brand’s supremacy comes from its flagship products such as Dulux Luxurious silk, Dulux Weatherguard, and Dulux Wallguard. These products give long-lasting coats which defy all weather conditions particularly Weatherguard and Wallguard.
Besides decorative paints, Motolac paints is a proud distributor of industrial paints, automotive paints, and accessories as well as wood finishes. The company ensures that its customers and clients get the right colour of their choice for their intended purpose through the use of advanced computerised colour matching systems. With our brands, you can give whatever you want to paint-be it your car or house-a fresh coat that will define its value. You can get this right ONLY with Motolac paints just as the company did to the Oxford Place. Choose the right deal, choose Motolac! For more information, contact us on; Motolac Paints 192 Seke Rd, Graniteside sales@motolac.co.zw 04 774 241/04 755 117 Follow us on Facebook
STEVENSONS Stevensons is a new brand in the local market originating from South Africa with a specialty for quality but affordable decorative and industrial paints and wood finishes. Motolac is the sole distributor of the Stevensons brand in Zimbabwe and the products are sold under the “Stevensons”, “Franklin Hunt”, “Fast” and “Dura wood” brand names. The Stevensons washable range of Vinyl Silk and Franklin Hunt Vinyl Silk (pictured) are some of those paints which are increasingly becoming a force of reckoning in the market which customers concerned and serious about beauty cannot afford to miss.
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STEEL ROOFING: WHAT TO LOOK FOR
1
. The thickness of the steel sheet and, more importantly the thickness of the protective zinc coating on both galvanised and pre-painted roofing. 2. The paint system used? Single or double coat paint? Thickness of paint film? 3. Is the profile in standard shape? – IBR, Corrugated, Widespan and Tile. Non-standard profiles may be either weaker
ClassEcon’s offer to you:
PRODUCT FEATURES 1. Thicker coating of zinc, 150 – 200gms per square meter on all* our galvanised roofing. 2. Our pre-painted steel roofing also has 150200mgs per square meter coating of zinc below the painted surface. 3. Our pre-painted steel roofing comes with a double coat painted surface and with a paint film of 25microns in thickness 4. Our IBR and Wide-span sheets come with an Anti-Capillary kink which is the very latest design improvements on these profiles 5. We use steel coils sourced from Arcelor Mittal South Africa. “CHROMADEK” is their brand and we supply this material whose quality is second to none. 6. Wider versions of IBR, Corrugation and Q-tile.
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or uneconomical. (their price per metre may be the same or lower but the cost of roofing the same area may be more) 4. The price per square metre? – Comparing running meter prices is always misleading as you look only at length and ignore the cover width. You will need fewer sheets of a wider cover profile to do the same roof, resulting in a net saving. 5. Are the latest advanced features on the profiles being offered? The most vital ones are: (a) the anticapillary kink and (b) the stiffening ribs. 6. The source and quality of materials used?
BENEFITS TO YOU • Much longer life. – This coating is superior to 100gms per square meter of zinc. • Pre-painted steel roofing with a thicker coating of zinc is superior to that with only 100gms. • Double coat paint is obviously better than single coat paint. Please insist on double coat IBR/Qtile etc • This ensures that you get the most compact leakproof roof even under heavy storms. Do not overlook such important features when you make your choice. • Our products are extremely reliable and of high quality. • N.B: NOT ALL PAINTED STEEL ROOFING IS “CHROMADEK”. • Wider sheets reduce the cost per square metre of roof area. • You get the most advanced, fashionable and yet economic roof only from ClassEcon.
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Z. I. E.
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n institute of capacitation though continual enhancement of technical and social prowess in the engineering fraternity. Zimbabwe Institute of Engineers is an entity that focuses on monitoring engineering education, training and supplying manpower, advising the government, industry and education sectors, career guidance for various learning institutions, and provide fora for all stakeholders to help develop and educate members and non-members on various aspects pertaining to engineering. As a multidisciplinary institution their purpose is to set and maintain standards of engineering competence, to promote the advancement of Engineering and facilitate the transfer and dissemination of engineering knowledge and to raise the character and status of the profession. The key areas of expertise the Institute focuses on are Electrical engineering, Civil engineering and System engineering. To ensure consistency and conformity to standards members are supposed to adhere to the rules of conduct which help maintain a certain level of professionalism among anyone covered under the institute’s name. It also provides publications from the PAGE 46
board and general professional members to make sure every engineer keeps abreast with what is happening in the engineering spheres. Started in 1944 it has 74 years of experience in developing engineers suitable for the various engineering facets available, churning out well groomed and ever relevant engineers that serve the society effectively. Also as an institution they host conferences after every two years and an awards ceremony which has the participation of all the other engineering associations within the nation. This helps celebrate the achievements realized during that period and provide motivation for upcoming engineers and firms alike. ZIE is regulated by a private act of parliament overseen by ECZ (Engineering Council of Zimbabwe). This in turn makes them a credible service provider who is able to provide the necessary skills based trainings and opportunities for members based on standardized national requirements. A learned society it is, ZIE always strives to make the best out of every engineering job and this is also evident by choice of their focal points as they have worked in the Mining, Building construction, ZETDC projects and dam construction spaces across Zimbabwe. In a drive to build engineering practitioners ZIE has purposely leapfrogged into a new engineering landscape and laid a firm foundation on developing the best service providers in the industry! PAGE 47
DUE DILIGENCE OF IMMOVABLE PROPERTY AREAS TO LOOK AT AND THE REASONS WHY THEY ARE IMPORTANT
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a n y buyers of immovable property are not aware of the things they should look for when they intend to invest into real estate. As a result most people are defrauded as con men take advantage of such loop holes. In this article therefore, we will look at areas that a potential investor should look at and go a step further by explaining why these areas deserve attention. Explaining why attention should be given in the areas mentioned will also help a regular investor together with the novice because some people ignore certain things in property investing due to a lack of awareness about their importance. So I believe this article will be an eye opener to both veteran and newcomer in the real estate investing business. Proof of ownership This is evidence in the form of original documents that the person selling a piece of property is indeed the legal owner of the property. An original ID of PAGE 48
the owner should be furnished and its details should be the same with those of the person designated as buyer or transferee in the document that can be an agreement of sale or title deeds respectively. When doing such due diligence visiting the deeds office or the property developer (this depends with whether its title deeds or an agreement of sale) is indispensable. At this juncture enlisting professional assistance especially of a lawyer is also indispensable because there are some endorsements like caveats whose significance may not be deciphered by a layman’s mind yet they are important to know. Why this is important? Avoiding fraudulent sale. Fraudulent sale is one of the risks a property investor faces. There is no dispute that this issue exists so investors should be wary of it. The best way to mitigate against a fraudulent sale is thorough due diligence on proof of ownership as given above. Structural integrity This refers to whether or not a piece of property is in a physical state good enough to provide for the needs for which it was constructed without becoming a danger to the occupants. Although it’s a long one real estate has a life span so it is important to check this out during due diligence because its one factor critical in determining structural integrity. This helps you to ascertain whether or not a building is a demolition candidate.
Why this is important? Building component failure. The physical state of property directly affect its rent and value. If you are to letter discover that an investment you have purchased has serious cracks it can be difficult to secure good buyers or tenants as people fear the property can possibly collapse upon their workers, loved ones and possessions. This constitute a type of risk which investors can mitigate against through thorough inspection of the property’s physical state before purchase. Survey diagram This is proof that a piece of land, its dimensions and boundaries are legitimate and indeed exist. Before purchasing a piece of land its important to secure a survey diagram from the Surveyor General. Just think about it that the entire transaction is based upon the belief that the property exists according to how it is described in relevant documents therefore, it is of uttermost importance to check out if it really exist. Why its important? Adverse possession With the rise of property fraud in Zimbabwe many brand new houses are being demolished as they fall under the category of illegal structure because they where constructed on other people’s land. It is unfortunate for an individual to find oneself in this situation after years of saving hard earned cash. So going for what is known as search of survey diagram at the relevant government department is critical before one purchases land.
Price The price of real estate is the amount of money the market is willing to pay at a particular point in time. Experts call it the open market value. So this means that the price of real estate is that price which is determined by forces of supply and demand not what a seller wants. During valuation in order to determine the price a property is compared only to similar properties within its vicinity. Comparing property to another in a different neighbourhood is tantamount to comparing an apple to a banana. It does not work that way! Why its important? Overpayment at purchase. If you purchase property without knowledge of the open market value one is likely to over pay. For investors overpayment reduces or destroy completely their return on investment. Some believe in flipping and this will not work if you over pay at purchase because you may be unable to get a profit in the event that you sell.
DISCLAIMER: This article is made available for educational purposes only as well as to give you general information and a general understanding of real estate investing, not to provide specific advice. The article should not be used as a substitute for competent advice from licensed practitioners.
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NYARADZO: SAHWIRA WEPADHUZE
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wenty Seven Branches and counting. Over the past two years, the “Sahwira Mukuru” brand has seen itself establish hospitable branches closer to its clients by embarking on an expansion drive that quite frankly has, like a large body of water, quietly but effectively swept through the whole Zimbabwe. Nyaradzo’s ambition to bring their services closer to each and every individual in the country has caused a major growth strategy involving large strides in infrastructural expansion as they try to minimize any client’s pacing distance to any of their branches. Beitbridge to Masvingo: Kuvaka Mhuri Lately the Nyaradzo group has spread its tentacles into other cities namely Masvingo and Beitbridge. This has helped them simultaneously offer a warm embrace to all their clientele and build bridges to better ways of managing expenses for most families while just like any “Sahwira” improving their presence. While in pursuit of building their family to cater for
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other families who need a helping hand when it matters most, they have partnered with connoisseurs in various areas of construction to ensure the best services are provided for each and every client. Their two branches in Beitbridge and Masvingo nearing completion bare testimony to the commitment to superior quality as these branches have been erected by Manifest construction while under the unction of Hlom Contractors as the major contractor of the projects. To ensure a stable environment Hardmond engineering has also placed their hand in the supply and installation of air conditioning systems. Their efforts have been complemented by Exocold which has done the refrigeration installation for the new conveniently located branches. To wrap up their new gifts they have also held hands with Charpton plumbing and ENPS Quarries for plumbing services and supply of aggregate and three quarter stones respectively. The combination of these organizations to build Nyaradzo’s dream has helped Nyaradzo find new homes in the two afore mentioned areas and become less of a visiting Sahwira but present themselves to these cities inhabitance as “here to stay” as they help continually build families. PAGE 51
MANIFEST CONSTRUCTION
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t is truly a spectacle, a manifestation of plans coming to life figuratively and literally and a wonder when you come across the workmanship so endowed with attention to detail done by this team. Not only do they undertake their jobs with utmost precision but they continually prove their ability to bring a vision to life. Manifest Construction is a construction organization that provides expert services on “all-things-construction” and over the years has illustrated its ability to build a firm foundation of trust, confidence and develop strong bonds with their clients. Manifest construction was the main contractor in the construction of two “Sahwira Mukuru” centres in Beitbridge and Masvingo. The trust placed in them of a mega construction drive of the two Nyaradzo facilities proves their ability to deliver and showcase their continual pursuit of excellence through sheer hard work and commitment to professional delivery of services. Located in Kensington within the suburbs of Harare, the company is easy to access and readily available to cater for any of your construction needs. To stand out for the entity has never been an option but a certainty and to build has never been just a form of work but a manifestation of their contribution to rebuilding a better world.
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JOE’S GARDEN
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oe’s Gardens is a company which specializes in Plants, Landscaping, Gardening and Horticultural Services that stay in line with contemporary market trends while enhancing environmental awareness and cost effective landscaping. Nyaradzo Funeral Services – Beitbridge began with an onsite visit to document the current condition of the landscape by taking photos, measurements and studying the climate as well as the type of soil. Following the initial visit our team developed a design solution which involved choosing plants that would easily get acclimated to the southern exposure of Beitbridge. We followed the same concept for corporate landscaping, which does not require plants, shrubs
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and trees that stand out more than the architectural designs and manicured lawns. The plants featured a different variety of palm trees and a wide selection of ground covers, shrubs, trees, evergreens and perennials that thrive in rocky and dry areas. A few select locations where planted with plants such as salvias to create a sense of “instant gratification”. With over 10 years of successful high profile projects under our belt, we continue to expand on our services to provide water-wise plants, enterprising landscaping solutions and innovations for our clients. Our experience in installing semi- mature trees and ornamental plants, the design and installation of water features, irrigation systems and grounds maintenance, supported by a skilled and motivated team, has enabled us to provide a wide range of services, thus ensuring projects are completed swiftly and efficiently.
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THE DESIGN TEAM
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team of experts that provide engineering design services, project management and technical construction advisory is always on standby at The Design Team Consulting Engineers. A safe, timeous and wellresourced completion of projects is a prioritized role for the consulting engineers at The Design team and has proved in all their work. The Design Team also offers structural Development services , civil and structural design and even infrastructure management . These services are backed by the organization’s unique value proposition which focuses on helping access and manage funding for any excess expenditure on huge infrastructural development projects and even commensurate with government policy of rightsizing and formation of lean standard project valuation. At the helm of these services are a diverse team of engineers that have their prowess in design complemented by accolades of excellence in their PAGE 58
various fields of expertise. Based on the designs and project specifications experts on project management and site supervision are also assigned to work on an in-depth, experience based job to ensure a wellexecuted project which has cost implications to the client based on executed deliverables. Their dedication to effective execution is clearly underscored by their client base which includes Econet Wireless, NSSA, Petrozim, CBZ, National Building Society, Schweppes Zimbabwe, Zuva Petroleum and Calundike Exports among a myriad of other organizations. As members of the Zimbabwe Institute of Engineers, Engineers Council of Zimbabwe and Zimbabwe Association of Consulting Engineers the organization takes pride in its work and notably has been able to work on major projects such as Bairns Intercare Hospital , the Croco Motors Showroom, Econet Wireless Mutare, the Chinhoi Low Costs Housing and Schweppes Zimbabwe Plant. All attributes of an amazing team always point out to great achievements and The Design Team has proven to be a tried designing powerhouse. Therefore, to ensure you get the best designs, and be able to manage your construction projects more effectively, try a team of experts. Choose The Design Team! PAGE 59
area that may be related to the full completion of that project. This is also highlighted in our health and Safety policy which we strongly adhere to as a way of avoiding double standards in service delivery and guaranteeing customer safety. We however do not stop at just refrigeration and air conditioning. To make ourselves a full package we also supply spares for our products and we also have a hardware section to ensure we are catering for all our clients effectively. Our worth is also exhibited by our staff which has a vast amount of years in experience for their respective areas of expertise. This is further bolstered by our clientele base which includes companies like ZB Bank, Nyaradzo Group and Freda Rebecca Mine. To blemish any doubt of our execution prowess you may need to consider our keen interest in customer
satisfaction. How? Flexible payment terms, 24 hour turn around delivery time, warranties for all products, delivery and installation, rapid response of technical support and free after sales services. All this in order to maintain a breathe of relief for all our customers. To maintain our standards and be able to extend a hand to other areas, we have also joined bodies that can improve our service delivery like CIFOZ and increase our impact like the ministry of local government and national housing and the state procurement board. These affiliations also prove our capacity and capability to deliver without forgetting to highlight compliance with state law. So when its warm, hot or cool we can still help you pleasantly adjust your surroundings and breathe a breath of fresh air. Only at Hardmonds!
HARDMONDS ENGINEERING
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lways the perfect atmosphere. At Hardmonds Engineering we pride ourselves in providing the perfect environments by supplying, installing and maintaining air conditioning and refrigeration systems for various facilities and buildings.
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Our 12 years in operation has seen us grow into an organization recognized for supplying reputable brands and providing world class services to complement our product portfolio. This has seen us grow in influence in the retail, financial, household and even car industry among a plethora of other sectors. Completion of major projects may however need unique system designs. These we also provide in congruence with other parties on any construction project in order to bring out the optimal performance of our system with no hindrance on any other critical PAGE 61
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Z. I. A.
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nowledge, linkage, and convenience are friends of a sound investment. We all have seen overtime how investment in any industry plays a great part in ensuring the smooth movement of an economy in developing beyond its perceived potential. Development however moves had in hand with infrastructure and this is exactly where
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Zimbabwe Investment Authority becomes your one stop investments shop. Zimbabwe Investment Authority is a statutory body established by the ZIA Act with a mandate to promote, facilitate and coordinate all foreign direct investment and local investment within Zimbabwe. The authority’s key focus is on the Agriculture, Manufacturing, Mining and Quarrying, and Tourism. These have all immensely contributed to the development of Zimbabwe in all aspects including infrastructure underscored by building of new mining community projects, malls and resorts in tourism and
new major road networks in transport. These aspects have to be backed by key functions which the Authority provides in the form of planning and implementing investment promoting strategies, facilitate and process investment application of approval, to attract domestic and foreign investors by identifying sectors with potential in the economy and to promote decentralization of investment activities in accordance with development government policies. ZIA has also been key in helping facilitate the infrastructure development of the air transport, railways, road, energy and information communication technology by playing their key role as an investment promotions agency. As a matter of convenience ZIA has provided a step by step procedure for investors to adhere to ensuring a smooth transition for any foreign or local investor. These steps include Company registration at the registrar of companies, getting an investment licence, Tax clearance, processing permits for investors, getting an EIA licence and ensuring there is
compliance with the indigenisation policy. To be relevant on a global scale and maintain a competitive edge in quality service delivery ZIA oversees and helps maintain the commitments Zimbabwe has made as a member of SADC and COMESA. Zimbabwe has also signed Investment protection agreements such as International Centre for the Settlement of investment Disputes (ICSID) and has also signed a total of 31 Bilateral Investment Treaties with countries like Netherlands, Denmark, Germany, South Africa, Zambia and Mauritius. To promote Zimbabwe is ZIA’s main priority and it has done it with diligence as at its core it has stood by the values of Transparency, Investor Confidence, Commitment and Teamwork, Innovation and Integrity which have served the nation well to date. So to ensure an investment in one of the emerging economies of the world and have a solid foundation, visit your one stop investment shop, visit The Zimbabwe Investment Authority. PAGE 65
DIAMOND VILLAS
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laced in a tranquil spacious environment a few heartbeats away from the city centre is a community built for people from all walks of life. In Hatfield, Nicoz Diamond unveiled its diamond Villas which are cluster homes meant to cater for the starting family, the single adult ready to build a home or the old couple yearning for a people who can be in close proximity. A perfect, all embracing community with all the essentials catered for to ensure a hassle free lifestyle is what Nicoz Diamond was aiming for. With work done by well renowned experts and contractors that infused a contemporary feel with elements of strength on the design and construction of the housing project, they managed to strike a balance between boldness and timelessness. The project is endowed by a combination of 3 PAGE 66
bedroomed and 4 bedroomed units that offer a good place to accommodate your family and make it easy to access the Central business district with ease. As an insurance company, Nicoz Diamond also understands the need for loss mitigation and so has (with the help of experts) given special attention to the overall execution of the project to ensure the longevity required and deserved by their valued customers when it comes to these structures. Security. This has always been a major concern for most individuals. As above standard cluster homes, by defacto, they will have a walled and gated community to maintain that sense of peace and ability to escape from the hubbub of the city therefore living up to the expectations of a Villa. To say this is just a housing project would be an understatement, this is a lifestyle adjustment mechanism. To get a better feel of what lays beyond the encapsulating walls of the Villas pay us a visit and get to experience the Diamond Standard. PAGE 67
Where possibility becomes absolute reality Ceramic & Porcelain Tiles * Baths * Showers * Shower doors * Taps* Basins * Adhesives * Lighting * Accessories * Mosaics
Visit our stunning showrooms in Graniteside, Msasa and Chitungwiza for expert advice and service from our friendly and professional staff. If you want it we have it!! We specialize in individual and large scale projects. 27D Cripps Road Graniteside Harare 04-759331 / 758046 0774-507799 ganny@tilesforafrica.com PAGE 68
Chitungwiza Makoni Opposite OK Siadi – 0772-353165 saidi@tilesforafrica.com
124 Mutare Road Msasa Harare 04-446583/5 0772-353464 spencer@tilesforafrica.com PAGE 69
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top always standing on the other side of the fence. Join the fencing experts and get to enjoy the supreme quality execution of Harane Investments. Harane Investments is a fencing organization nestled in the mountainous ranges of Mutare. An entity started in 2006, to date Harane has quietly grown to be a preferred fencing partner for most companies and has been very active in supplying fencing solutions for some large entities as well. Zimnat Lion Insurance Company, Nicoz Diamond Insurance Company, The Wattle Company and the Reserve Bank of Zimbabwe are among some of these clients that walked on the fence with Harane and fell in love with their service. As a way to keep their competition on the other side of the fence and barricade any inefficiencies from being a part of their reputation, they have incorporated after sales services and feedback, tailor made pricing for clients to minimize on client costs and employed a team that is technically superior in commitment and execution of installing any security fence. This has helped them push the envelope and create a name for themselves and their service. Their products include barbed wire, razor, electric PAGE 72
and game fences which are the mainstream products provides. They do not however settle at fencing. Realizing the need for a sound environment within any setting including highly sensitive security places they realized security also involves peace of mind. In that light, Harane also ventured into the mining industry to provide mining solutions that help any entity in the extraction business thrive and have sense of security they deserve. Harane has its sole mission being to provide affordable products that are of high quality and adding value to their clients’ lives with a vision of becoming their first choice in any fence and mining solutions related endeavour. Valuing professionalism, that reflects integrity, teamwork and honesty is a daily activity and is something that is held up without compromise. This has also been evident in their track record, and how they have evolved as an entity internally to bring out the best in their staff and become a socially conscious venture that values technology sensitivity in its operations as a way to be more in line with the requirements of their clients. To build a brighter future there is need to safeguard our current environments and situations. With ground breaking mining solutions and a pole and wire in hand, Harane is helping individuals and businesses protect and grow their visions day by day. PAGE 73
FIRE INSURANCE
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n recent times, Zimbabwe has experienced increased incidence of fire which has led to loss of life and destruction of property worth thousands of dollars. Contrary to the general belief that catastrophic fires only occur at large industrial sites, a fair proportion of the fires are occurring in residential areas. However the sad reality is that unlike businesses, a massive number of domestic households remain uninsured leaving the owners severely exposed to the risk of fire and its associated perils. In many instances a lot of families have been left destitute as unanticipated fire has irreparably damaged their homes. Nonetheless, a lot of people remain uninsured owing to a plethora of reasons common ones being the perceived small chance of fire happening as well as seemingly higher insurance cost. Certainly these reasons can be classed as myths as the recent happenings are a clear indication that you never know when you will be unfortunate enough to be affected by fire. In addition fire insurance is very affordable with its cost very comparable to other common types of insurance like funeral cover, medical aid as well as motor insurance. NicozDiamond offers two main types of fire insurance covers for home owner’s namely household contents and homeowners policies. Typically household contents insurance protects against damage or loss of an individual’s movable personal property whilst located within that individual’s home. Typical examples of such property include television sets, lounge sets, beds and kitchen equipment. Given the rapidly changing technological landscape and lack of an active market in second hand goods for some PAGE 74
types of properties, insurers normally provide new for old cover. This means that new goods are purchased to replace the damaged old insured property. The other type of cover, Homeowner’s insurance cover, mainly protects an individual’s home against damage to the house itself and in most cases also provides liability coverage against accidents in the home or on the property. In addition to fire, both these covers typically protect the policyholders against losses arising from other perils such as storm, lightning, and theft as well as flooding. Taking cognisance of the current economic challenges especially liquidity coupled with the upsurge in fire incidences, NicozDiamond Insurance has also developed Chengeto homeowner’s package whose premiums are paid monthly. Chengeto is a very affordable cover as premiums are as low as $4.50 per month for a basic housing structure. The insurance cost varies depending on the structure of the insured house. The package insures the policyholder’s residential buildings against fire damage, Lightning and Explosion from domestic gas, gel and paraffin stoves, storm or flood. In addition the policy also provides personal accident cover to the policyholder and their family members for injuries resulting from an insured event. Furthermore, if the loss results in total destruction of the residential home, the product also provides rent for alternative accommodations. Clearly, it is better to incur a smaller cost paying regular premiums than having to bear a very high cost of replacing your home when the unfortunate events do occur. Remember you never know what will happen so be prepared always.
(04)611179/183/193/199/214/229/230
NICOZDIAMOND NOW OFFERING AFFORDABLE HOME INSURANCE COVER
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