The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1897-05-03


Said property is insured for the term
of Observation-Disclosures, beginning on the
$50: day of. .;;.....in the year elgm-
and continuing until the. ....day of
......... in the year eighteen hun ,a.
dred and. az noon, asaHiiar
all loss or damage by hre originatiin ing
from any cause except invasion, foreign
enemies, civil connections, riots or any
military or usurped power whatever; the
amount of said loss or damage to be estlc
mated according to the actual value of
the insured property at the time When
such loss or damage happens, except IN
case of total loss on buildings, but not
to include loss or damage caused by eX-
plosion of any kind unless fire ensues,
and then to include that caused by lire
only.
fact or circumstance stated in writing mas
not been fairly represented by the IN,
sured or if the assured now has or shall
hereafter make any other insurance on
the said property without the assent or
the company, or if without such assent
the property shall be removed. eXcept
that if such removal shall be necessary
for the preservation of the property from
fire. this policy shall be valid wlthout
such assent for five days thereafter. or IL
without such assent the situation or clr
cumstances affecting the risk shall. by or
with the knowledge, advice, agency or
consent of insured be so altered so as 70
cause an increase of such risks, OF III
without such assent. the property shall
be sold or this policy assigned, or IL the
premises hereby insured shall become
Vacant by the removal of the owner or
occupant, and so remain vacant Tor more
than thirty 600 days without such assem-,
or if it be a manufacturing establishment,
running in whole or in part extra tllne,
except that such establishment may run
in whole or in part extra hours not later
than nine (9 o'clock p. M, or If SUCH
establishment shall cease operations for
permission in writing endorsed here
on. or if the insured shall make any
attempt to defraud the company. either
before or after the loss. or if gun
powder or other articles subject to
legal restrictions shall be kept, in
quantities or manner different from those
camphene, benZine, naphtha or other
chemical oils or burning fluids shall be
kept or used by the insured on the prem
Uses 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 1llleo W ,.f11
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 snail
make all reasonable eXertlonS TO save ana
protect the same
In case of any loss or damage under
this policy. a statement in writing. signed
and sworn to by the insured, shall be
forthwith rendered to the company, set
ting forth the value of the property in
slred, except i'll case of total loss ON
need not be stated, the interest of the
insured therein. all other insurance there
on. in detail, the purposes for which and
the persons by whom the building In
sured. 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 aud vouchers of the IN
sured and make extracts from the same
In case of any loss damage the COM
after the
insured shall have submitted a state
ment as provided in the preceding clause,
it shall be liable, which amount, if
by award of referees. as herein
after provided, or replace the properly
with other of the same kind and good
ness, or it may, within fifteen 90 days
after such statement is submitted, notify
the insured of its intentions to rebuild
or repair the premises 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 insured, with in
terest thereon from the time when the
loss shall become payable as above pro-
vided
If there shall be any other insurance
on the property insured. whether prior
or subsequent the insured shall recover
on this policy no greater proportion OF
loss except in case of total loss on build
ingS sustained than the sum hereby in
sured bears to the whole amount insured
thereon.
And whenever the company shall pay
any loss the insured shall assign to it to
the extent of the amount so paid all
right to recover satisfaction for the loss
other corporation, excepting other insur-
ers, or the insured, if requested, shall
prosecute therefor at the charge and for
tne account of the company.
If this policy shall be made payable to
a mortgage of the insured real estate no
act of default of any. person other than
such mortgage or his agents, or those
claiming under him, shall effect such
mortgages right to recover in case of
loss on such real estate.
Provided. that the mortgage SHALL on
den and, pay according to the established
scale of rates for any increase of risks
not paid for by the insured; and when
ever this company shall be liable to
mortgage for any sum for loss under this
policy, for 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 full amount Sc
cured by such mortgage, then the mort
gage shall assign and transfer to the
company inter ested, upon such payment,
the said mortgage, together with the note
and debts thereby secured.
This policy may be cancelled at any time
at the request of the insured. who shall
thereupon be entitled to a return of the
portion of the above premium remaining
after deducting the customary monthly
short rates for the time this policy shall
have been in force.
The company also reserves the right,
after giving written notice to the in
sured, and to any mortgage to whom
this policy is made payable and rendering
to the insured ratable proportion of the
premium, to cancel this policy as to all
risks subsequent to the expiration of ten
days from such notice, and no mortgage
shall then have the right to recover as
to such risks.
loss en- buildings, under this policy and
failure of the parties to agree as to the
amount of loss, it is mutually agreed that
the amount of such loss shall be referred
to three disnterested men, the company
and the insured each choosing one out
of three persons to be named by the
other, and the third being selected by the
two so chosen; the award in writing by
a majority of the referees shall be con-
elusive and final upon the parties as to
the amount of loss or damage, and such
reference, unless waived by the parties
shall be a condition precedent to any
right of action in law or equity to recover
for such loss; but. no person shall be
chosen or act as referee against the OBJ
lection of either party who has acted in
like capacity within four months
No suit or action against this company
of this policy shall be sustained in any
court of law OF, equity in this state, I'M
less commenced within two years from
the time the loss occurred.
In witness whereof, the said
company has caused this policy to be
signed by the president and attested by
its secretary Cor by such proper officers
as may be desgnated), at their office
Wren two or more companies leach
having previously complied with the laws
of this stated unite to issue Joint policy
EXPRESSED the Of