The Dorset County Express and Agricultural Gazette.
Dorchester, Dorset, England, 1865-05-30 00:00:00

Coactspcmbence.

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ASSURANCE AND INSURANCE.

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Lima VI.
HAIL STORM INSUHANCH.
To A* &Norf.
Ws in this country are rely too apt to suppose that
every form of business ewee lt, invention to us. Bat
the Lombards taught us Seeking, as probably other
Indians, such as the Venetians and Genoese of the
Middle Ages may have taught us Commerce; and now,
although we can boast of the Carlisle and Northampton
Life Tables as the sources of vital statistics and the
origin of Life Assurance, there eon be no doubt that
amenpt others. Hail Storm Insurance Offices were in
existence upon the Continent, and had been extensively
supported throughout • lengthened period before they
were even known amongst ourselves, where indeed they
are as yet bat in their infancy, and secure only a very
smell properties of our growing grope against disaster
whes eonspared with the full extort of land under eel-
Untie* in this country. The insurance of growing
amps against dation by hail eat, in truth, introduced
intO England in 1940, and our excellent friend, Mr.
John Hanson, of Lincoln, has been engaged in the
menagemen I of that de partm est front its first
intrednotion. And yet the disastrous effects
of Hail Stories ere frequently felt in many parts of Eng-
land. In het, those who have undertaken profession-
ally to investigate their recurrence, emphatically assert
the experience of each anceeeding year to prove that no
district ci the country can be eonsidered exempt front
thine deagrastim visitations. The years over which
reeled observation has core particularly extended pre.
see* is thiekeinsitte aeries of figures, crowdmg closely
together, it 1148, 1846, 1951, 1857, and 1858, and wipe-
ciaMy 1856, yearn which it is said with truth will not
sons ho forgotten in the neighbourhoods where the hail
storms of these various periods occurred. Even in 1862
hall storms were prevalent in many districts, comment,-
log in the early part of May, and continuing till Sep-
tember; indeed in some oases even so late as October, in
theism's of which time half the wenn.' of England
were veiled by them. During the past week, as
'teenaged in oar last, various parts of the °misery
have been visited with severe storms, tome of them of a
very deNtesetive character. The Notts Onerdido says
that the Perm passed over several parts of the northern
ditided al the county of Nottingham, and in its warm
doing some damage. It was partiaalarly heavy at
Randall sod at Clayworth, and on the Wheatley Hills.
At Oleysrorth the rain descended in torrents, and was
actinfiesien with a terrific starts of hail, which com-
pletely emend the ground fur two or three Mika
Kure. At Retard the dorm was not so severe, but
thd lightiaggri wan. eery vivid awl accompanied with
henry rolls of linuidee. In Wiltshire it was partieularly
hooey The Wilts Asitepesdnit says that near Melt.
sliest the stoats was aocompanied by a tremendous
hail shower, many of the stones being three inches and
upwards in eirmuntereame. At nine o'olook next day they
conk' be swept tap in heaps in the streets and about the
town. Liseolnahini, too, WY visited. The Stamford
Aforeary says one of the heaviest falls of rain and hail
'with which the neighbourhood has been visited for
pectel years fell on /friday afternoon last at Louth.
Far, an heir or two together the rain descended in
torrents. The hall also came at intervals with great
eisdoessn-sosempardeti with flashes of lightning and
peels of tbsonw. The Seurolk icicle also mentions
time the velem visited that county, "taking a wide
slvisep," The Leaseeter and Yorkshire papers like-
** g4ei aeosorte et the moony which accompanied
tke storm in their legalities. farmers should take
lof seenriag their cope free damage by
rart inemen
tersue, .whlak they may now do at reduced
rated. And d Moire 'be case form of iaptry
Mown distreestaft to the farmer titan another it is
tholnallien ala, his hopes blighted, whether in the bud
or winging ma follies, Against fire he can WSW% and
naturally inden tie necessity; bat spinet stem, the
old lower mhog.esse termed damsons Ptak, or inevita-
ble's • , dodo& him shy redress; that a house set
es- Gel by and not In the ordinary cause of
acebieng, hoe held opproteeted by policies of inme-
amps ; and the marine vederwriters to this day under.
tab. elf dea.riehs "the wet of Coder of the Queen'.
engrains easepente The precautions also saterally Te•
nOrliell lie is guarding &pleat loss by Bre after crops are
harpist* molders extend to their insurance against
dampieby hod while in the fieM. Many thanks, there-
fore. are due to the respectable Hail Storm Insurance
Offteserwirish devote themselves to this branch of bun-
ems and for • somparatively trifling cost secure the
farmer vermilion himself of their protection from loss by
the steiderieni often sweeping ealamity. The meteoro-
logist eandities of our atmosphere has of recent years
been curio= and critical In the extreme. Fickle and
ante/Win in its tewipentlare and rainfall, it is no less
eubject to those sudden hail storms which are the
reds& of rased eiestrieebanges and transitions from beat
to odd in the atmospheric Mesta. The wire-worm may
mine the .yonag mopes. they, spring, and spread over
the hod' gimes &add the wieldy patellae of yellow which
talk that Mrsigellic end pioneer have work there to do.
The 4iolp fly isay slim* the valuable root pleat in the
easipelleges edit. growth, or the pelt, as we witnessed
larinthems, may pow sway the few remaining bulbs
of ingesnid sletnam. But frothing ts calculated to create
oonsineniMeer and dismay seek as 004111111 when in en in+
sientitimpollets of lite hail 160171 smash down the IMO
Incerinue eirop, and ley bare and desolate the Hasid
grim* and labour of the year without the hope or
shame of reissue. The crops moat incident to such dila
asters are all the most valuable in the rotation : wheek
beast, psis, rye, vetabee or tease for seed;
(gaeon), vetches or term (green), 17e grain (gres4
einem igeme)rearrots (green), untniel traria ansibelle
(mes), end ell these may be insured at lees
rats per imos, as may potatoes and seeds of esilletil
lkilligelthe reins in which branch are .also redinced.)..
it'll' • tie prwatiee of the Midland Ceentles" Hall
Hinfictinaseasse Beenoli, freerwhoes practilixt aeteary,
Sib. John Hansom, we derive tuna at,this information.
essnpeemation in sS wlthoist licit
as 4 quamtfty flew.. lam blear, promptly
ond libacstyt. mitied. The heats., . fee e
redwood: ,in. 800 by the ..oeinstient
littassie varied tress upriartle 01 4) per aest. to
lest treeenetagsa, proportionate to the periods ewer
mkt* ilia several hinassnees crensdal, inid-• solos
wa los reiersedin 1886. The teeth is that is this aswell _—
se in all other hazards the public) may contrive to cover Aug
T

tee pap.; and considers
.relnge from a possible,

shis etopirocoord:
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