The San Francisco call., 1907-03-03

studied by local business men ano IN
eurance agents Al impression has
gone out that no riders are aAlo"eo, @put @
with certain restrictions modifying
. conditions may be attached. The form
differs from that in use IN New YORK
State in that a. is clearer IN phrase
oloey and onits those conditions which
have enabled the companies 70 drive
such bargains as they desired with the
policy-holders.
I The proposed California standard pol
! fcv differs from the New York form in
the following essentials: tt does not al
low the company TO take insured prop
ertv at its appraised value against the
. protest Of the insured: IL allows kero-
eene oil for heating purposes; II omits
T the explosion clause; provides for pay
ment when property is destroyed to
, prevent spread OF FIRE; omits fallen
building clause; onlits sixtyday linn
! station Of time in serving proof OF loss
and allows service OF proof OF loss on
Iacent. onlits clause requiring insured to
furnish certified plans and specifications
OF buildings, fixtures and machinery
after destruction of same; provides Tor
g. resident umpire to decide matters OF
+ 6inerence between appraisers. and de-
bars the company from denying liabil-
Atty after appraisal
The standard policy now before the
Legislature reads as follows:
Section ].
CALIFORNIA STANDARD FORM OF
FIRE INSURANCE POLICY.
No.. $......
0.esve space OF six Inches for name
and location OF corporation.)
In consideration OF. 49,. dollars, pre-
T1ium, does insure .-..-.-. and. -.-...-
legal representatives, for the term OF
from the. day Of. 10.
at noon, 10 the. day Of. 10 ..
at noon, against all loss or damage by
IRE TO the amount Of 800. dollars, TO
The following described property while
located and contained as described
herein, to-wit:
UNLESS SPECIALLY MENTIONED,
bills OF exchange, notes. sc-
Prom counts, evidences OF debt,
erty not certificates OF stock, manu-
covered scripts, money, and patterns.
are not included IN said in
sure6 property
SAID PROPERTY is INSURED
against all loss or damage
by fire originating from any
PerfIs notcause other than insurrec-
covered bytion. foreign el-emies, riots,
rhis policy usurped power, or by order
OF civil or military author
fly: unless such order is Civ
en- to prevent the spread OF fire en-
6anRertng said property; IN which
event this company shall be liable for
Joss or damage regardless OF the
means employed
THE AMOUNT OF LOSS OR DAM
AGE. unless otherwise here
- IN provided. to be determined
oi Ios according TO the actual cash
nov value Of the insured property
at the time such loss or dam
NH" age occurs.
THIS POLICY SHALL BE VOID II
the insured has frauduiently
Matters nisrepresented any material
void fact concerning this insur-
ing ance, or II in the event OF
policy. fire the insured shall will
fully, wsntonly or fraudu-
ierriv far 20 use all reasonable means
70 save and preserve the property COW
cred by this policy
THIS POLICY SHALL BE SUSPEND
ED during the existence or
Matters continuance of the acts or
eus- conditions specified as fol-
pending lows. If the insured has. or
policy. shall hereafter obtain. any
other insurance on the said
rropertv without the written assent Of
this COMPANY n without such as
sent. the said property shall be re-
moved. except that II such removal
shall be necessary for the preservation
Of the property from fire, this policy
shall be valid without such assent for
crease of hazard.-or n. without
such assent the conditions affecting the
risk shall. with the knowledge and
within the control OF the insured, be
SO changed as TO cause a material in
crease Of hazard.or ~. without
such assent this policy shall be
ssssgned-or II the premises here
b. insured shall become vacant by
the removal Of the owner or occupant
and so remain vacant for more than
fifteen consecutive days without such
sssent.---or If 81 be manufacturing
establishment in which machinery is
operated running at night later than
ten O'Clock. without such assent-or
81 Il cease to he operated for more than
thirty consecutive DAYS. without such
sssent.-or n gunpowder. or other ar
ficles subject 10 legal restriction shall
be kent IN quantities or manner diff
ferent from those allowed or pre-
ecribed by lsw.-or II. without such
assent. gasoline. benzine, nsphtha or
other chemical oils or burning fluids
sn excess of one quart each shall he
kept or used by the insured on prem
ises described, except that refined Pc
troleum. kerosene, OF coal oil OF legal
test may be used for lighting and heat
fng and kept on sale IN quantities not
exceeding five barrels
IN CASE OF LOSS OR DAMAGE un-
der this policy the insured
shall, without unnecessary
Qelays give nOIlce IN writing
70 this company, or its agent.
THEREAFTER AND WITHOUT uN-
REASONABLE DELAY, the
Proof OF insured shall serve on this
loss. company or its agent. a veri-
fed proof OF loss setting
forth IN detail the value OF the prop
erty insured. the amount claimed there
on, the interest OF the insured therein.
eli other insurance thereon, the pur-
pose for which the building insured
or containing the property insured was
ueed. and the time at which and man
ner in which the FIRE originated, so far
known 70 the insured.
This company may also examine the
books OF account and vouchers of the
insured, and make extracts from the
same.
THIS COMPANY SHALL PAY. with
IN sixty days after the in
Pay sured shall have submitted
meBf Of proof OF loss as provided in
loss. the preceding clause. the
amount for which 81 shall be
liable. which amount II not agreed
upon may be ascertained by award OF
arpraisere as hereinafter provided. or
81 may within fifteen DAYS after such