The Democratic advocate. [volume] (Westminster, Md.) 1865-1972, 1916-03-10
Ua1ns Against the Changers Mutual
Fire : Storm Insurance Company
of Carroll County.

Acting under an order of the Cir
euIt Court for Carroll County, Messrs.
Francis Neal Parke and Charles O.
Clemson. attorneys, Westminster, Md,
Receivers of the Changers Mutual
Fire and Storm Insurance Company
OF Carroll County, are making every
effort to reach tho policy holders OF
the Insurance Company to advise
them that, under the Courts order, It
l. necessary that their claims, with
AFFIDAVIT attached, be filed with the
Clerk Of the Circuit Court at West
minister, Md. on or before April 3.
1916. This means those persons who
had filed their claims With the officers
OF the Insurance Company before the
1915. must again file their claims with
the Clerk of the Circuit Court at
Westminster, Md. Claimants can I'M
cedure when they stop to think that
1t might be that between the time
they fled their claim with the Com
pany. say in 1913 or 1914, and the
present time some payment might
have been made to them on account
OF their claim, about which the re-
ceiyers have no information.
Many persons who had met with
losses and had filed their claims with
the Company seem 10 be under the
impression that 1t Is not necessary
for them to file claims now with the
Clerk of the Court. This is mis-
take and the Receivers are anxious
to make IL clear to the policy holders.
50 that before April 3rd. next, they
may file their claims in the proper
manner After April 3rd. when 1t Is
known what claims there are against
the Company, the receivers will OBJ
tain an order of Court, authorizing
them to make an assessment against
the policy holders and afterwards a
distribution will be made to those
persons whose claims for losses have
been fled.
4 mistaken impression exists with
many of the policy holders In think
ing that they are not liable for the
losses incurred and this may account
for the reluctance to file their claims.
This was Mutual Company and the
policy holders are In the same posi-
ton Of a number of persons who had
signed note. they are each liable
for their pro rata share of the losses.
based upon the amount Of their In
surance. Up to this date. the only
claims that have been filed with the
Receivers are those Of certain per-
sons IN Carroll and Frederick Coun-
tles. but not one-thlrd Of the claims
proper to be filed according to the
claims heretofore made of the Com
panY. have been filed With the ReceiY-
ors. n Baltimore. Howard and
Montgomery Counties there are hun
dreds Of policy holders and many of
them suffered losses. but none OF these
policy holders have 80 far filed their
claims with the Receivers. All of
these persons are liable to lose their
right To recover for their losses and
yet BE- obliged to pay their pro rata
share Of the assessment. II ~ very
difficult for the Receivers to COM
municate with the policy holders
directly. on account Of changes of
postofIiee addresses The matter has
been given as much newspaper pub
lioity as possible. in the hope that
claimants may be notified of their
rights. Over fifteen hundred farmers
In Carroll. Frederick. Montgomery.
Howard and Baltimore Counties are
policy holders in this Company and
are directly interested IN this matter
The Receivers hope 10 make some
definite statement IN the policy hold
ers shortly after the third of April
1916.