The Portland daily press., 1895-02-28

Sou1 uS3 may udk6 new rules anu DRINKS OF
amendments to existing rules and blanks,
which new rules and blanks, or amended rules
and blanks shall, when approved by the SUI
preme judicial court or a majority of the JUS
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 beel 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
ana PAID IN the same manner as other claims
against the state.
SECT. 3. This act shall take effect when APP
proved. Approved February 12.l
Chapter IS.
AN ACT additional to chapter forty-nine of
the Revised Statutes, relating to Insurance.
SECT L. No fire insurance company shall
issue fire insurance policies on properly in this
state, other than those of the standard form
herein set forth, except as follows:
l. company may print on or in its policies
its name, location, and date of incorporation
the amount of its paid up capital stock, the
names of its officers and agents, the number
and date OF the policy, and, if it is issued
through an agent, the words this poIicv shall
not be valid until countersigned by the duly
authoflzed agent of the company at ,
-. company may print or use in its poll
c1es, printed forms of description and specifi-
caflon OF the property insured.
IL. "A company inSuring against damage by
nghtnlng may print in the clause enumerat-
ing me perlls insured against, the additional
fire ensues Or not and, in the clause providing
Tor an apportionment of loss in case of other
insurance, the words, whether by fire, light
ming or BOTH
~. A company incorporated or formed in
TINS state may print in its policies any provi-
slons winch 1t is authorized OF 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 by the laws of its own
contrary
this state; provided that the insurance COM
missioner shall require any provision which, in
ms opinion, modifies the contract of insurance
in such way as to affect the question of loss, to
pc appended to the policy by slip or rider as
hereinafter provided.
V. The blanks in said standard form may
be filled in print or writing.
vi. A company may write upon the margin
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,
provisions adding TO or modifying those con-
tanned In the standard form; and all such
slips, riders and provisions must be signed by
them.
VII. A 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
shail be in type smaller than long primer, and
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
in consideration of dollars to it paid
by the insured, hereinafter named, the receipt
whereof is hereby acknowledged. does insure
and legal representatives against
loss or damage by ire, to the amount of
dollars.
Description of property insured.
Bills OF exchange, notes, accounts, evidences
and securities of property of every kind,
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 the day of in the
year eighteen hundred and at noon,
and continuing until the day of
in the year hundred and ,atnoon,
against all loss or damage by fire originating
IRON any cause except invasion, foreign ene-
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 or 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 if, 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 situt.
| 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, OF 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 if such establishments shall
cease operations for more than thirty DAYS
without permission in writing Endorsed hereon
| OF if the insured shall make any attempt to de
fraud the company, either before or after the
| loss, OF 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, OF coal oil NAV
| be used for lighting, and in dwelling hous es
| 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 exertions to save and protect
| the same.
| oH'oS
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 al
| 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 a statement as provided in the pre-
ceding clause, shall either pay the amount FOL
which it shall be liable, which amount if not
agreed upon shall be ascertained by award OF
referees us 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 OF repair the prem
ises, or any portion thereof separately insured
| by this policy, 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 be no
abandonment of the property insured to the
company, and that the company shall 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.
II there shall be any other insurance on the
property insured, whether prior or subse
quent, the insured shall recover on this policy
of ha toi