The Cairo bulletin. (Cairo, Ill.) 1???-1928, 1905-05-09
Cairo Under Dean Schedule Call.
ing For Higher Tariff
DWELLINGS ARE EXEMPT
EIGHTY PER cENT-co-iNSuR
ANcE CLAUSE is NO LONGER
MANDATORY ON LuM-
Der YARD FIRMS.


at meeting of the local board of fire
underwriters held at the office of Sec
rotary P. J. Purcell. Although there
are some reductions In the tariff of
modern buildings of standard con
struction in the main the rates are
materially advanced.
Secretary C. F. Persch, of the lii
nois state board of fire underwriters,
which body has jurisdiction over all /
rates in the state outside of Cook |
county, arrived in the city Saturday |
and has spent the intervening time In |
/ getting matters into shape to an. |
nounee the new. rates. He called a |
meering of the local fire agents yes
serday as stated and delivered the
new rate books to each agent, The
rates were declared in force, effective
| with today's business.
Cairo Ranks Next to Last.
AS was indicated by The Bulletin
a number of months ago unless steps
we're taken BY the city to adopt GER
tain requirements Of the state insuv
ance men for better protection from
| fire the classification of Cairo would
be greatly lowered. Nothing was done
in this respect and as a result the city
the state In the six divisions If the
Dean schedule Cairo ranks next to
last or JUST above the unprotected
towns and as result only exception
| Ally good risks do not show an ad
| vance In rates. In many individual
cases the low rating OF the town is
supplemented by poor construction,
non-standard metal clad shutters and
defective electric wiring In certain
risks which gives them an almost pro
hibitive rate. While many of these
defects can be overcome the new
| rates will apply until the improve
| nents are made and 1t becomes an
/ | important matter for every insurer To
/ at once post himself as 20 his new
rate and the schedule governing same
that steps may be taken 10 remedy
he defects for which charges are
| made.
The Property Affected.
The class of property affected by
4 the new tariff is practically every kind
I of mercantile and manufacturing risk
including office buildings. places Of
amusements, hotels, etc, dwellings
, and their contents. unless exposed BY
/ property of the kinds named, are ex
empf from advance ana will take the
/ same rates as heretofore,
4 An important concession was made
n at the instance Of the local bcart
\ wherein the so per cent 60 insurance
\ clause heretofore mandatory In lum
Der policies was made optional on tht
part Of the assured, q charge Of q
Il cents per $t00 insurance being addet
ID where the policies do not contain th
1, clause. That is lumber yard tn
q form of which is written without thi
ie clause is rated " per cent higher thai
i, otherwise In rate.
~ The secretsry's Statement.
MI Secretary Persch, of the state board
In left last night for Chicago, In an ii
terview with Bulletin reporter h
admitted that the new rates woul
I'll constitute material average a,
on vance, especially on mercantile bus
I'M | ness, Mr.. Persch stated that the cit
N had no one but itself TO blame, q
igs aside from the warnings which til
10, many disastrous fires of the past fe
-cd years contained the officials had bee
I'M addressed both by state and loo
Tic boards and the defects in equipmel
pointed out Mr. Persch also state
that in each individual case where
Lrk building was rated the rater had le
ne a memorandum with the tenant
property holder showing just VIII
defects would have to be overcome
- obtain the minimum rat. "A postal a
- dressed to the rater was left with 4
memorandum the rater volunteeril
70 make a second inspection when
queeted to see II his recommendatio
had been carried out. In a few cas-,
II was stated, was enough inters
taken 10 make the improvements,
ten of but nominal expense, and
result was naturally a healthy
crease In the rate The state boa
the secretary said. stood willing a
anxious at all times to make any G.
eestons warranted by improved G
ditions Since 1t was impossible
awake any interest on the part Of
. city and It's citizens to the sItuat
the only recourse was to mere
rates sufficiently to show a profit
- underwriting in Cairo.
~ Business in force. It Is understc
X Is not affected by the change. All
icies written previous to today Il
K the rate at which they were writ
! until expiration. the new rates ap
a ing TO all renewals and new busIn
~