, 1875-09-24
INSURANCE.
Second Days Session Of the
Northwestern Asso-
Clatf0n.
Report Of tho Committee on
Building Laws-~Adjust-
ers, Etc.
Business Done In tlse Northwest Dur
Ing tue Last Three Years.
Address by Mr.. Hiuos---Inspeoting
the Fire Patyol---Form Of
Policy.
Ut. Clarke on Public Opinion Regarding
Insurance Companies.
Causes Of ConffagrationH.--
Court Decisions.
Yesterdays Proceedings in the
New York Conventions.
II CHICAGO.
Causes Of ConffagTations.--
Court Decisions.
Yesterdays Proceedings in the
New York Convention.
MORNING SESSION.

II CHICAGO.
MORNING SESSION.
nEFoAT on BuILplTu LAWS.
Tho Underwriters Association OF tho North
wes. re1ouvened yesterday morning 8. tho
Palmer House.
The frat thing in order WAS tho report OF the
Convnttoo on building LaWt+ which Haa deliy-
orcd as fellows:
Your Comp,lttec. to whom was referred the subject
e. q nadin Lava bes lssr" Tcsneeuuly to report
ail. thuy baye been tor tho rnoat part widely scpa-
lime Of opportunity for consultation prcpsralon
Ihsroinre what they mty hsvs to saY Eon .hta sub:
{oct will necessarily. ls href Ana cousBt mainly Of
faets gathered 1rnn, reliable sol.sesn.
AZ the laat annual u,eettng Of thc National Board of
md 9
nrou this Important subject hsstug entored largely
,nto sattes to tho e.isenes md enforeonaeot Of
Tho very meagtr number Of cities. a. shown by Tint
report having proper iaws in thla respect "a not Al
ore, Ut tho tinle aware OF tho dlmsy con-
ftruetton Of nearly al businees sud manufantur-
II inetd thero Be- d al 1e:reet. ~ ssaIiy e ss.adass
l4tldiug In sha country-ta hardly worth mention.
viii .asa evidence startns in taa f*ce. ths wonder
moru humorous and destructive
It appehss therefore, 70 Jour comnsttce that tho
propcrty-owner and citizen. to move for reform ia
this matter. Nozinay but not really, underwater
having to consdfr nnoh reform ~ one Of tic vital
questions affecting their business and harug m OF.
sss1o ea @ ~ q tsf e.
tnitassse-
= " e f. = .A,sh r. The
dmy aesolvel tAsua. Their 1slort deserves nut
oa! your s.refnl and atten.i'o petl'sa Iut through
Of tho people broadcast over tho laud,s Tho import
ant part Of tho report, after po!utinE out deacIea
edy, - ~ Which tic tomaistee '4 1nads s' i il tho
description Of An approximately eA1ldard building
s4e 81 a's 1S sp
nents for standard building and tho provisions Of
the propSaea lsw sse fsx nd yeEy anrls vt sai!.
to the oafefa arehtecs, builder property owner
ssio and rollsho building both for occupancy and
ag..nat tho spread of nrc.
peopu scnes.ljy haro .eaia.. 1aldins ~ rsn -
other sumptuary) laws, and TINT they will regard such
:9s. s sns f. h ss q oa,I % s,; as o1 .4
seaisso of sslas 1T q IL .n.a1.ass ID TT
msus es.es Is ussar 9aplsssa whsn xs csoa.ider a
In ony ths at four Year,, il would see lhat eyeyy
one should te teouiy alive to some remedy for tho
ey u chaao rs w.
now 1aeo is not yct nsds IN: md ii Z moro than
psobahls It will not ho In this eensst&Iou, II eyer
preventive TOT tba Wholesale destruction at property
10 IN tA1t, 4 Iosst within tho control Of the nuier
Tst:sf sha = y s.np} ~ " saopon es s:..assA
nance Of weievised system Of Schedule rating based
upon auch standards; having proper charges for do
only III tho characeristica of cstiea % raisei to
higher cass but tho construction Of buildings in snch
ctttss Will to vastly improved, not II tho expense of
tbs propsrty.awncr and 10 tho ne1tst Of tho uuer+
wrttcr but in Tho iutaraat al tha coroulty 1T xge
and Of the propest1-oEner in particular. The CON-
uuuity vii secure highsr grads Ct h1ldlugs, snd
the owner much !oxcr rate fos insurance. ~ t,o un.
derwr,ter much profere rlst Ia standard clty, on
standard building 1t low rato than QUO in ai indlf-
fereut town and On poor building, Ut high ra!e.
dyserent of reduced rAee IL psYmsnk fos Ills In
proyeI rtsk, or charge for defce1cfes 1n il con.
pocktt-And Arv sure to xnoot r4th faYoysb!e 70
snonye thorough and prou1tnenS underwater Aaa
saI, lit Is uleless to appeal 70 "a tndvidu4rs lovs
of hts cty and Of Tho tuhlo wal IA cAuse him to
substantially improve III buildaRe. tor protection
ia.inst are. from not ena1sjy plain 70 him
entirety hat it you can show theu1 xboro to save
m1nsr vbllo beueGs1pr themto,yos thoY Vii do II:
We iii 40 for tho great American dollar md The key
10 many inap's ettautoa u found Ii nie pocxeth
Ihe aitfltluu OF proper charge for occupancy and
e1rosurt. Vii h.ve Tendency 10 osuso liz remo1s
ofhazardous occupants ND sioeisly h.zaFdou. rts.s
Whrn tto standard and tchedttie wa sdbnted In
Nav York Ia January ls7a tho sysrsRo r1s oa Gual-
iion of ts new 1Ystem reucaa same rsss sod ralsed
mar others. Tbs ADVANCE led not oily property.
owue.t hut under HrseEe to tunuiro no tha ressous
nofs accurate 4usreys required b ths nav systsu
wcrs na.do aware of thn hazards thsJ bad Insured
I'd s e., ns .s 5sa
ea1.mi,ys a.Is III, " - eA@~ p''"''''@ N'<0' ''oS'
Tho explanations given 10 owuers aud occupants