Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1895-03-29

VI the Judges OF the probate and insolvency
amendments to existing rules and blanks,
winch new rules and blanks, or amended rules
ana blanks shall, when approved by the SUI
tees thereof take effect and be in force in all
courts of probate and insolvency.
SECT. 2. Said commission or commissions,
SO appointed, shall make a report to the gov
ernor OF such expenses as may have beea in
Cured in carrying out the provisions of this
act, and upon the approval OF the same by the
governor and council, they shall be allowed
and paid in the same manner as other claims
against the state.
SECT. 3. This act shall take effect when ap.
proved. GApprOved February L.
Chapter Is.
AN ACT additional to chapter forty-nine of
the Revised Statutes, relating to Insurance.
SECT. /. No fire insurance company shall
Issue fre insurance policies on property in this
state, other than those of the standard form
herein set forth, except as follows:
1. A company may print on or in its policies
its name, location, and date of Incorporation,
names of its officers and agents, the number
and date of the policy, and, If it is issued
through an agent, the words, this policy shall
not be valid until countersigned by the duly
authorized agent of the company at >
III. A company may print or use in its poll
cies, printed forms Of description and specifi-
cation of the property insured.
Ill. A company insuring against damage by
lightning may print, in the clause enumerat-
ing. the perils insured against, the additional
fire ensnes or not amd In he Clause Sroyinr
for an apportionment Of loss in case of other
insurance, the words. whether by fire, light
ming or BOTH
w. A company Incorporated or formed in
this state may print in its policies any provi.
sions which it Is authorized or required by law
to insert therein; and any company not incor-
porated or formed in this state may, with the
approval of the insurance commissioner, SO
print any provision required by its charter or
deed of settlement or by the laws of its own
this state; Provided that the Insurance cav" COM
missioner shall require any provision which, in
his opinion, mOdifies the contract of insurance
in such way as to affect the question of loss, to
be appended to the policy by slip or rider as
hereinafter provided.
v. The blanks in said standard form may
be filled in print OF writing.
or across the face of policy, or write, or print
in type not smaller than long primer, upon
separate slips or riders to be attached thereto,
tanned In the standard form; and all such
slips, riders and provisions must be signed by
the officers or agent OF the company SO using
them.
VII. company may print upon policies
issued In compliance with the preceding pro-
visions of this section, the words, Maine stand
ard policy The said standard form Of policy
shall be plainly printed, and no portion thereof
shall be in type smaller than long primer, and
shall be as follows: Number
Corporate name Of the company or associa-
ton, its principal place or places OF business.
This company shall not be liable beyond the
actual value Of the insured property at the
time any loss or damage happens: . . :. .,s
by the insured, hereinafter named, the receipt
whereof is hereby acknowledged, does insure
and legal representatives against
loss or damage by tire' to the amount OF
Description Of property insured.
Bills Of exchange, notes, accounts, evidences
books, wearing apparel, plate, money, jewels,
medals, patterns, models, scientific cabinets
and collections, paintings, sculpture and curl
osities are not included In said insured prop
erty, unless specially mentioned.
Said property is insured for the term OF :.
beginning on the day of in the
year eighteen hundred and at noon,
and continuing until the day Of !,
in the year hundred and at noon,
against all loss or damage by fire originating
from any cause except invasion, foreign enc
mics, civil connections, riots or any military
or usurped power whatever; the amount of
said loss or damage TO be estimated according
to the actual value OF the insured property at
the time when such loss or damage happens,
but not to include loss OF damage caused by
explosions 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 circumstance stated in writing has not
been fairly represented by the insured, or If
the insured now has or shall hereafter make
any other insurance on the said property with
out the assent in writing or in print OF the
company, or il, without such assent, the said
property shall be removed, except that, if such
removal shall be necessary for the preserva-
ton of the property from fire, this policy shall
be valid without such assent for five days
thereafter, or if, without such assent the situa-
ton or circumstances affecting the risk shall,
by or with the knowledge, advice, agency, or
consent of the insured, be so altered as to
cause an increase of such risks, or If, without
such assent, the said property shall be sold, or
this policy assigned, or if the premises hereby
insured shall become vacant by the removal of
the owner or occupant, and so remain vacant
for more than thirty days without such assent,
or if it be manufacturing establishment, run
ming in whole or in part extra time, except that
such establishments may run in whole or in
part extra hours, not later than nine O'Clock in
the afternoon, or 1t such establishments shall
cease operations for more than thirty days
without permission in writing Endorsed hereon,
or if the insured shall make any attempt to de-
fraud the company, either before or after the
loss, or if gunpowder or other articles subject
to legal restriction, shall be kept in quantities
or manner different from those allowed or pre-
scribed by law, or if camphene, benzine, naph-
tina, or other chemical oils or burning fluids
shall be kept or used by the insured on the
premises insured, except that what is known
as refined petroleum, Kerosene, or coal OIL, may
be used for lighting, 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.
If the insured property shall be exposed TO
loss or damage by fire. the insured shall make
all reasonable eXerions to save and protect
the same.
icy a 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, the interest of the insured
therein all other insurance 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 company
may also examine the books of account and
vouchers OF the insured, and make extracts
from the same.
In case of any loss or damage, the company,
within sixty days after the insured shall have
submitted q statement, as provided in the pre-
ceding clause, shall either pay the amount Tor
which it shall be liable, which amount II not
agreed upon shall be ascertained by award OF
referees as hereinafter provided, or replace
the property with other of the same Kind and
goodness, or it may, within fifteen days after
such statement is submitted, notify the insured
of its intention to rebuild or repair the prem.
Uses, or any portion thereof separately insured
nv this poiicy. and shall thereupon enter upon
said premises and proceed to rebuild or repair
the same with reasonable expedition. 1t is
moreover understood that there can pc no
abandonment of the property insured to the
company and that the company SHAH not IN
any case be liable for more than the sum IN
sured with interest thereon from the time
when the loss shall become payable, as above
provided. A..
property insured, whether prior or subse-
auent the insured shall recover on this policy
no greater proportion of the loss sustained
than the sum hereby insured bears to the whoIe