The spirit of democracy. [volume] (Woodsfield, Ohio) 1844-1994, 1852-07-07

Office, il should be per cent,
tits impossible estabshany exact rules for increase q
risk by exposure from other buildings The exact distance
that building should be off, say that does not expose
the one insured cannot defined This must in some mea
sure depend upon the materials Of which the building
posed brick building with slated roof, would not be SO
much exposed 40 feet distance, wooden one OF the
same size at 80 feet that much depends after all the d-
recons that be given upon your own as 70 me
increase Of premiums.
In villages where there is nearness 10 great supply Of
water and an engine and other apparatus with an organized
company for the exngushmen Of fires, these facts should
be taken into consideration in calculating the exposure from
other buildings aso in all cases, the prevailing course OF
winds. ~,
inps upon adjacent lots should always be considered
The surest method Of securing uniformity Of rates. will be
adopt uniform system OF comparison: Tor example, max
ing detached dwelling house, or per cents standard OF
uny inquire much greater the risk OF the property pro-
posed TO be insured and if is twice great the rate should
be 10 per cent? and three times great per cent &C.
The Directors the power to change the rates
which may be charged by agents. according as may oe
necessary in their judgment to equaze them But when the
rate shall be increased the applicant may receive or REJECT
the policy as he shall choose.
In cases of alterations Of buildings where you person
ally called inspect will not supercede statement to
BIZ signed by the insured ohe several alterations made and
the be forwarded agreeaby to the spirit OF the bylaw
on that subject.
In case Of assignments you will tax the applicant so cents
which is TO be for the fees Of the Secretary.
In cases OF ncumbrance by mortgage where buildings
stand leased land the land is held by contract or where
personal property only insured you are in a cases TO pro-
cure additional security and that which is good II the ap
picant really wealthy he easily It, and poor
we certainly need it. This demanding great firm
and discretion the part OF our Agents must De re-
membered that policies may run years. and no premium
should be received for the Compeny which the Agent
would be willing receive Tor himself in his private bus
mess. A4
You are authorized in of assignment OF the morgagor
the mogagee give the consent Of the company thereto
agreeaby the provisions Of the bylaw, copy OF which
assignment you will forward TO the secretary for record
In losses the Directors request you to repair imme-
daey 10 the scene of destruction and learn how the fire
menced progressed and the OF property destroyed,
and forward 10 the Secretary as early as possible the result
of your examination with appraisal OF Indifferent persons
and when the loss exceeds Is dollars the appraisal should
be accompanied with the affidavit Of the appraisers
In such cases. you will readily that it is important to
know whether the conditions OF the Policy act and bylaws
been fairly complied with the part Of the insured as
well the extent Of the obligation OF the company.
The agents receive compensation the fees for survey
ing, measuring and making plan of buildings lnsured
charged what the labor is WORTH TO be paid by the aPp
can't and the company allow them additional so cents for
each application that is approved and policy issued there
on And the received for the Policy may be retain
ed the agent his pay for the same and remit to the Sec
retary only the per cent
Five per cent will be allowed commission on all as
collected and remed when ordered by the Treas
urer The Directors will also allow fair compensation for
services in OF losses.
mail as often as quarterly, and oener if safe private con-
veyance oer-and in all when required by The Treas
urer Assessments collected must be remted paid as
dered by tie Treasurer-to whom also Agents will report
quarterly the of their accounts with the Company
Policies will be issued from the Office OF the company and
WILL all unless otherwise directed by applicant wish
ing some future day. be dated the day received by the Sec
retay and approved by Directors and take effect at
O'Clock at noon said day. although they may not be re-
ceyed by the insured for number of days thereafter
You need number the application nor note and leave
the day Of the month blanklet the endorsement be
as follows on the back-Received at date one DOLLAR, Tor
such sum as may be paid9
The Directors will be pleased to correspond with you in
anv case Of doubt or difficulty occurring in the execution Of
the business entrusted you and at all times to receive from
you any information which may be important or useful IN the
operations regulations of the company
We trust you will your best exerons to explain the
principles upon which the company formed and to advance
| its interests in your town and vicinity
am respectfully,
Your obedient servant.
| SECRETARY
OFFICE OF THE MONROE MUTUAL FIRE