Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1905-03-25


OF iii the year nineteen hundred
ana at noon, and continuing until
the day of in the
year nineteen hundred and at
noon. against all loss or damage by hre
originating from any cause except Inc
Vasion, foreign enemies, civil connections
riots ar any military or usurped power
whatever: the amount of said loss or
damage to De estimated according to the
actual value of the insured property ut
the time when such loss or damage hap
clused by explosions Of any kind unless
nre ensueS, and then to include that
CAUSED by fire only.
This policy shall be void if any material
Iact Or circumstance stated IN writing has
n nc been fairly represented by the insured.
or II the insured now has shall here
alter make any other insurance on the
sild property without the assent in writ
lls 9r III print of the company, or if,
without such assent the said property
snail be removed. except that. if such re-
moVal shall be necessary for the preser-
fatlon 0f the property from fire. this pol
lpr hve days thereafter. or il, without
such assent. the situation or circum-
s ,,..;i affecting the risk shall. by or
WIN the knowledge, advice, agency. or
consent OF the inslred. be- SO altered as to
cause an Increase of such risks. or if.
wiinout such assent. the said property
stiail he sold. or this policy assigned. or
u the premises hereby insured shall be-
come vacant by the removal Of the owner
or occupant. and so remain vacant for
more than thirty days without such as
sect, or If il be Il manufacturing eStab-
lislment, running in whole or in part eX-
ira time. except that such establish
ncnts may run in whole or in part en-
ira hours. not later than nine O'Clock
+. NJ, or if such establishments shall
cease Operations for more than thirty
days without permission in writing in
dorsed h"reOn, or If the insured shall
make any attempt to defraud the cDm-
many x,tt h.f off In
surrowder or other articles subject to
legal restriction shall b. kept in guam
titles or manner different from those al
low eel or prescribed by law, or if CAM
cal oils or burning fluids shall be- kept Or
used by ;hc insured on the premises In
Sursd. except that what is known as re-
fined petroleum. kerosene, coal oil.
may be used for lighting, and in dwelling
houses. kerosene oil stoves may be used
for domestic ru!poses 70 be filled when
cold, by daylight, and with Oil of lawful
FIRE Test only.
III the insured property shall be exposed
to loss or damage by fire. the insured
shall make all reasonable 'eXertiOn to
saw and protect the same.
In case of any loss or damage under
this policy. statement In writing. signed
ana sworn to by the insured. shall bs
within a reasonable time rendered to the
company setting forth the value Of the
property insured, the interest OF the in
snred therein, all other Insurance thereon,
III 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 al account and
vouchers OF the insured, and make ex.
tracts 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.
fhSH n C,slt
either pay the amount for which it shall
be liable. which amount if not agreed
upon shall be ascertained by award Of
referees as hereinafter provided or re-
place the property with other Of the same
kind and goodness or it may. within fif-
teen days after such statement is SUBJ
mitted notify the insured of it's intention
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 ur
repair the same with reasonable exp-di-
ton. 1t is moreover understood that
there can be no abandonment OF the prop
erty insured TO the company, and thar
the company shall not in amy case be
liable for more than the sum insured.
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
subsequent. the INSURED snail recover on
this policy no greater proportion of tie
Loss sustained than the sum hereby in
snrcd hears to the whole amount insured
thereon. And whenever the company
shall pay any loss, the insured shall as-
sign to il, to the extent OF the amount so
paid. al rights to recover satisfaction
for the loss or damage from any person,
town. or .other- corporation. Excepting
other insurers: or the insured, IL REQUEST
ed. shall prosecute" therefor at the charge
and for the account of the company.
Ii this policy shall be made payable to
a p., nf ms re.4ls cfaf nh
act or default OF any person other than
such mcrtgagee or his agents, or those
claiming under him.. sM,n affect such
mortgages right to recover in case OF
loss on such real estate: provided. that
the mortgagee, shall. on demand. pay ;tc-
cOrding to the established scale OF rates
FOR any increase Of risks not paid for by
the insured: ard whenever this company
shah be liable to Il MORTGAGE for any
sum for loss under this policy. Tor which
no liability exists as to the mortgagor, or
itself. or with others. to pay the mort
gagce the full amount secured by such
mortgage then the mortgage shall as
sign and transfer to the companies inter-
eStcd. upon such payment, the said mort
gage. together with the note and debt
thereby secured.
This policy may be Cancelled at any time
at the request of the insured, who shall
thereupon be entitled to Il return OF tn
portion of the above premium remaining,
after deducting the customary monthly
short rates Tor the time TINS policy Shall
have been in force. The company also
serves the right after giving written no.
tice to the insured, .ind to any mortgagee
to whom this policy is made payable, and
rendering to the insured n r.ttablo proper
ton of the premium. to cancel this policy
as to all risks subsequent to the eXpira-
ton of ten days from such notice, and no
mortgaIce shtll then have the right to
recover as to such risks.
In case of loss unde? this policy and Il
failure Of the parties to agree as to the
amount of loss. IL Is mutually agreed that
the amount of such loss shall be referred
Ia three diSintereSced men, the company
and fine insured each choosing one out Of
the three persons to BE- named by the
other. and the third being selected by the
two so chosen: the award in writing by Il
ma iorIty OF the referees shall be cOncIu-
siv;a md final upon the parties as to the
amount of loss or damage. and such ref
cr,nce unless waived ny the parties
shall he a condition precedent to any right
or action in law or equity to recover for
such loss; hut no person shall be chosen
or act as a referee against the objection
nj either party. who has acted in q like
capacity within four months.
No suit or action against this company
for the recovery of any claim by virtue Of
thjs nclicy shall be Sustained in any court
Of law or equity in this state unless COM
mencrd with two years from the time
the loss occurred.
In witness WhareOn. the said Com
n,nv has caused this policy to be signed
liz lis president, and attested by its sec-e-