The Lynden tribune. [volume] (Lynden, Wash.) 1908-current, 1916-05-25
TELLSHOW follower
INSURANCE RATES

Valuable information for uaople
of the district on insurance qnes-
tions is given in the following let
ter from the State Insurance Com
missioner:
To Our Country Homo Owners:
The attention of this department
has been called to the matter of ex-
ira hazards ard extra charges in
fire insurance rGtez, more particu-
larly on account of stove pipes and
terra Gotta flues in farm buildings
The rates now in use by most Of
the fire insurance companies op2r-
ating in this state provide an addi-
tional charge of 75c per $4,000 of
insured vai"e where a metal stove
pipe is used, and an additional
charge of 15c per $4,000 of insur
ed value where terra Gotta flue is
s.Ised, in place of a properly con-
gructed chinLcy. On a three-yeaT
STERN policy of insurance the amount
OF this chs"ge i3 doubled.
Few people seem to realize that
the add,tioual Premium charged be
cause of these deficiencies in chin
ney conditions would amount in
ycly few years to more Than he
entire cost of properly constructed
brick chimney. TIE building OF
such a chimney is a matter of strict
ooonomy. and eliminates to large
extent the dangers of fire which
might result in heavy financial loss
ard also i'll the los3 of lives of
those near and dear.
Some of our citizens have tht
idea that this extra charge mean
an extra profi, TO the insurance
companies. but that is mistake.
Experience has taught the co.npan-
les that stove pipe risks are exceed
ingly undesirable. even at The ad.
vsnced rates and some Of he best
companies heretofore making
speciality of farm risks are de.lin
irg absolutely 10 accept any mors
riaks of ttis character.
All c,.iinneys should be bait
frcm the ground rp. as an add
t.Cnai charge of 10c on each
10000 of insured value is made
whe-e the cht:nney rests on
bracket, and for the further repso,
that it eliminates TO large extern
the questions of settling and ach
ing and thereby causing fires, and
the dangers from falling when The
bracket has been damaged or de-
stroyss.
Stove pipes should always enter
ckimneys at proper distances fnor
ceilings or walls and at as AesI
right angles as possible; thts
should be done for the reason ahai
where stove pipes enter ehimneys
at other than a right angle, there If
great danger of fire on roofs, orig
mating froEa sparks. Be sure ant
keep your roof free from moss.
These matters should have your
attention IS too much care cannon
be used in fire prevention meth
ods. Ii is one of the great prob
ieIns of the day and we urge yo'
to begin with ore of the most up
pa rent evils, and at the same tim.
ore which will result in financial
gain, by providing your homes witt
good, brick chimheys. Such thini-
neys should be constructed w'th
the best of material and by compe-
tent workeen: well plastered on
the inside or liued with terra Gotta
and large enough to insure good
graft. Nothing so anroys the good
housewife as a POOR draft in The
steve.
This is intended 80 a personal
appeal to ell home owners and II
~. recommendations are followed,
the result will be shown in fewer
f.,es, the sparing OF human lives
reduced financial loses, saving val
ualle properties which have taken
Years TO .curarlatc. and redue-
tiun in the ccl of procuring insur-
aEce.
Yours truly,
III. O. FISHBACK,