New Ulm review. (New Ulm, Brown County, Minn.) 1892-1961, 1895-05-22
"a, e noon. and continuing u.til the

----- ats noon. and continuing until the
bnnd rai and 1a IN the year eiighte e1
loss or damage BY fire originating from any
cause except5inyasion, foreign enemies, civil
G 1enrned nswe riots, or any military o. Of
said loss or damage to be estimated accord
ing to tns actual value Of the insured prop
erty at the time when such loss or damage
happens, except III case OF total loss on
buildings, but not to include loss or damage
caused by explosion of any kind unless fire
ensues, and then to include that caused by
fire only.
This policy shall be void If any material
fact or circumstances stated Ill writing has
not been fairly represented by the insured.
or II the assured now has or shall here
after make any other insurance on the said
property without the assent Of the compa-
ny, or II without such assent the said prop
erty shall be removed, except that. If such
removal shall be necessary for the preserya-
ton OF the property from fire, this policy
shall be valid without such assent for five
the situation or circumstances affecting the
risk, shall, by or with the knowledge; al
vice, agency or consent of the insured, be
SO altered as to cause an increase OF such
risks, or II, without such assent, the prop
erty shall be sold or this policy assigned,
or if the premises hereby insured shall
become vacant by the removal of the own
er or occupant, and so remain vacant for
more than thirty days without such as
sent, or If it be a manufacturing establish
ment running In whole or in part extra
run in whole or in part extra hours not
later than nine o'clock p. M, or if such es-
tablishment shall cease operation for more
han sna aaYs
shall make any attempt to defraud the
company. either before or after the loss,
to legal restriction shall be kept in quanti-
ties or manner different from those al
lowed or prescribed by law, or if camphene,
benzine, naphtha or other chemical oils or
burning fluids shall be kept or issued by
the insured on the premises insured, except
that what is known as refined petroleum.,
Kerosene or coal oil may be used for light,
ing, and In dwelling houses kerosene oil
stoves may be used for domestic purposes.
to be filled when cold, by daylight, and
with oil of lawful fire test only.
to loss or damage by fire. the insured shall
make all reasonable eXertiOnS to save and
protect the same.
In case Of any loss or damage under this
policy, statement in writing, signed and
sworn to by the insured, shall be forthwith
rendered to the company, setting forth the
value OF the property insured, except IN
case of total loss on buildings the value of
said buildings need not be stated, the in
terest Of the insured therein, all other in
surance thereon in detail, the purposes for
which and the persons by whom the
building insured, or containing the property
insured was used, and the time at which
and manner in which the fire originated
so far as known to the insured. The COM
count and vouchers of the insured and
make extracts from the same.
In case of any loss or damage the com.
pany, within sixty days after the insured
shall have submitted a statement as pro-
vided in the preceding clause, shall either
pay the amount for which it shall be liable,
which amount, If not agreed upon. shall be
ascertained by award of referees, as here
matter provided, or replace the property
with other of the same kind and goodness.
or it may, within fifteen days a1Ier such
statement is submitted notify the insured req
premises or any portion thereof separately
insured by this policy, and shall thereupon
enter upon said premises and nroceed to re-
build or repair the same with reasonable
expedition.
it is moreover understood that there can
be no abandonment of the property Insured
shall not in any case be liable for more
than the sum insured, with interest there
on from the time when the loss shall be-
come payable, as above provided.
If there shall be any other insurance on
the property insured whether prior or SUB
seuuent. the insured shall recover on THIS
policy no greater premium of loss, except
than the sum hereby insured bears to the
whole amount insured thereon. And when en-
ever the company shall pay any loss, tne
insured shall assign to it to the extent OF
the amount 50 pau llSutS W ACNCfSi
satisfaction for the loss or, damage from
any person, town Or other corporation, eH.
cepting other insurers; or the insured II
requested. shall prosecute therefor at the
charge and for the account OIL the COLL
pany.
mortgage of the insured real estate; no
act or default of any person other than
such mortgage or his agents, or those
claiming under him, shall affect such mort
gagee's right to recover in case OF loss on
@1,o% +1,n ri.
such real estate; provided, that tne mot ~
the established scale OF rates Tor any N
crease of risks not paid for by the insured,
And whenever this company shall De lla6le
to a mortgage for any sum for loss under
this polic;, fc- which no liability exists as
to the mortgagor, or owner, and this com
pany shall elect by itself, or with others,
to pay the MORTGAGE the Iull amount Sc
cured by such mortgagee, then the mort
gage shall assign and transfer TO me COIL ON
panies interested, upon such payment, the
said mortgage, together with the note anu
This policy may be Cancelled at any tlme
at the request of the insured, who shall
thereupon be entitled to return OF tne
after deducting the customary monthly
short rates for the time this policy shall
have been in force. The company also re-
serves the right after gVng wr5tfa ne
to whom this policy is made p9yaple, ana
rendering to the insured Il rataoie proper
ton of the premium, to cancel this policy
as to all risks subsequent to the expiration
of ten days from such notice, and no mort
gagee shall then have the right to recover
as to such risks.
loss on buildings, under this policy and a
failure of the parties to agree as to the
aomunt Of loss, it is mutually agreed that
the amount Of such loss shall be REFERRED
to three disintereSted men, the company ana
the insured each choosing one out of three
persons to be named by the other. and the
third being selected by the two SO choseh'
referees shall be conclusive and final upon
the parties as to the amount of loss or
damage, and such referees, unless waived
by the parties fha sG &c aw on a%v
to recover for such loss; but no person
shall be chosen or act as referee, against.
the objection Of either party, who has act
No suit or action against this company
for the recovery of any claim by virtue of
this policy shall be sustained in any court
Of law or equity in this state unless COM
menced within two years from the time
the loss occurs.
In witness whereof, the said ---- -.
company has caused this policy to be
its secretary Tor by such proper officers as
may be designated), at their office in
When two or more companies leach hav-
ing previously complied with the laws of
this statc) unite to issue joint policy,
there may be expressed in the heading Of
such policy the fact of the severalty Of the
contract also the proportion Of premium
to be paid to each company, and the pro-
portion of liability which each company
agrees to assume. And in the printed con-
ditions of such policy the necessary change
may be made from the singular to the plu-
raj number when reference is had to the
companies issuing such policy
Sec. "a. Any insurance company. it's Off
GERS or agents, or either of them, violating
any provisions of this act by making, issn-
policy of fire Insurance on property in this
state, except as herein provided, shall be
guilty Of misdemeanor, and upon COM
Dlaint made by the insurance commissioner