The log cabin Democrat., 1913-12-04
NEW INSURANCE
 RATES IN FORCE kEADJUSTEDFOR CONWAY MANY CHANGES MADE. BUT RATES AS A WHOLE SAID TO
 BE LOWER.
FroIc Saturdays Daily.

Fro,c Saturdays Daily.
 The new schedule of fire insurance rates for Conway, as fixed by the Ar kansas Actuarial Bureau, the forma- tion of which was authorized by the last legislature, has been received by local agents of the various companies doing business in this state. and is
 now in effect here The rate on al
 most every risk in the city is changed,
 some being substantially lowered and others greatly increased, but it is claimed by one of the leading local agencies that the premiums for the city as a whole will aggregate less than under the old rates.
 Since the enactment of the Davis
 antitrust law several years ago, no
 rating bureau has been permitted to do business in this state, and insur- ance rates have been largely fixed by competition between local agents. The installation of the waterworks system in Conway two years ago resulted in
 reduction in insurance rates averag- ing about 20 per cent and since that time fiat rate of from $1.00 to 1.5O on business establishments and S1.00 on residences has been in force The section of the antitrust law forbid |ding insurance rating bureaus was re- pealed by the legislature of 1913 and since that time this city has been vis- tied by a number of insurance experts, who have made thorough examina- ton of each building in the city.
 The data secured by these experts was passed upon by the Actuarial Bu- reau, which has fixed the rate to be paid on each piece of property, and no agent will be permitted to write in- surance for less than these rates. Un- der. the new schedule, some business property paying heretofore $1.25 per hundred has been reduced as low as 56 cents, while frame wagonyards have been raised in some instances to $S.5O per hundred, and practically ev cry business house in the city has a different rate, owing to it's fire hazard as passed upon by the inspectors. The base rate on residences has been reduced from $1 to 90 cents per hundred. A frame shingle-roof resi-
 dence, for example, occupied by the owner, situated within one-half mile of fire hose house and within 300 feet from a fire-hydrant, and having
 solid foundation of stone, brick or concrete and having all fues built from the ground up, takes rate of 80 cents per hundred. A brick resi- dence meeting the above conditions, takes a rate of 65 cents, and where it has a tile or slate roof, takes o5- , cent rate.
 The fact that the fire limits ord.- nance is not enforced and IS neffec- tive and that there are no general or dinances governing explosives, volatile oils or electric wiring is commented upon in the report of Inspector W. C..
 Brown. who visited Conway in Sep tember. Mr. Browns report on the |waterworks system and the fire de- partment follows:
 "Waterworks-Supply Cadron creek. Combined direct and gravity pressure system. Average daily domestic con- sumption 12O,OO0 gallons. Pumping capacity, TIT, 500 gallons per A hours. Two units. Reservoir capacity, 475,- GOO gallons, elevated 1S3 feet above main business section. Pumping and reservoir is 46 per cent of maximum daily domestic consumption, plus es- timated fire flow and 92 per cent of standard required for fourth-class. Domestic pressure, 50 pounds, fire pressure 80 pounds. Mains in princi- pal business section 10, and inches.
 Fire Department - Twenty seven men. chief and assistant, all volun- teers. Three hand hose carts located at three stations. Fifteen hundred feet of l-2 inch cotton jacket hose.
 Fire limits defined, not enforced. inef- fective. No general ordinances gov erning explosives, volatile oils or cleo
 tric wiring. Ordinance governing rub pish fairly effective