The Tabor independent. [volume] (Tabor, S.D.) 1913-19??, 1919-03-27
HAIL INSURANCE
LAW IS EXPLAINED
Crops Covered Automatically
BY Observation-Disclosures
Provided If Owners
Dissatisfied.

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inquiries have been received here as
to the provisions Of the hail insurance
recently adopted by the re-
cent session Of the state legislature that
the following summary of its most i'm
portant provisions has been prepared:
X. b. Stoddard, Parker. S. D.. March
Is, 1919.-The commissioner of insur-
ance is commissioner Of hail insurance,
and the management Of hail insurance
Is under his supervision. With the
approval Of the governor he has au-
thority to appoint deputy who h
give his whole time to the department
at a salary not exceeding $4,000 per
annum; clerks and assistants as he
may deem necessary at a salary Of 500
per month each; adJusters at q COM
pensation Of "a per day and expenses.
The assessors must list every acre or
land which is or may be planted or
!sown to wheat, oats, barley, rye, flax,
'spelts, corn, oane, alfalfa, prose-. millet
and sorgum, together with the name
OF the person to whom the land Is taxed
and the name Of the occupant, cropper,
tenant or tenants, excepting, tracts OF
less than 10 acres within the limits OF
incorporated cities and towns.
Insured Automatically.
Every acre of said crops are insured
At $1,000 per acre unless the owner Of
the crop shall elect to reduce the insur1
ance to $500 per acre by filing with
the county auditor before noon, June !,
1919, and annually thereafter before
June /, a statement In duplicate making
such request, ard signed by himself or
herself and two witnesses. The state
IL divided into four districts, Turner
county being In the First district, and
the premium rate being IS cents per
acre. The owner Of the land has frst
lien On tenants crops until the hail
premium shall have been paid. Tho
state has q lien or the land for pref
MUM Of both or either owner or ten
ant. These liens may be enforced the
same as mortgages. Crops are insured
from IL o'clock moo Jun l. to IL
O'Clock noon, September 10, automati-
cally ceasing when the crops are cut,
harvested or destroyed by NEAR other
than hail. The premiums will be coll
lected the same as other taxes by the
county treasurer but can o be paid
In installments. Losses should be re-
ported to the commissioner OF hail in
urance by telegram or registered letter
in less than four days after loss occurs.
May Have Arbitrators.
In case the crop owner is dissatisfied
with the adjustment, he or she may
choose one disinterested arbitrator, the
official adjuster another, and the two
chosen shall appoint a third, and ths
decision Of the three shall be final, proA
vided. however. II the assured does moi
recover q greater sum than allowed by
the official adjuster, he or she must
pay the expenses of the three arbitrat-
ors and their witnesses, and IL he re-
cover a larger sum than allowed by
the official adjuster, the state pays the
cost Of the adjustment. II a loss is not
more than 10 per cent, the costs Of the
adjustment must be paid by the in
sured.
Arbitrators and witness fees are 81
per day.
Payments Of losses are due January
/, 1919. and thereafter 80 days after
final adjustment.
With consent Of the governor the
commissioner Of insurance may bor-
row money at not more h a 6 per cent
to pay losses.
The state tax commission, upon re-
quest Of the commissioner Of hail in
ran and the governor shall make
special assessments n levy to pay
borrowed money is necessary.
II the total amount Of losses in any,
one year should exceed the total
amounts Of the premiums assessed for
that year plus the reserve If any the
losses for that year will be paid pro
rata, and a special assessment made
to pay the residue.
Reserve Fund.
A reserve fund shall be created Of
not less than $3.50 900 per annum each
year until said fund shall aggregate
the sum Of $4,000, 900 for the payment
of losses.
An appropriation OF $4,000 from the
general fund of the state was made
by the legislature to pay salaries, trav-
cling expenses, adjustment expenses,
including notarial fees, office furniture
and supplies.
Land owners, or crop owners, or
both. may exempt their lands and crops
or any portion thereof, by filing a re-
quest in duplicate with the county
auditor before IL o'clock noon, June /.
each and every year, said request be-
ing signed by himself or herself and
two witnesses, -
When the reserve fund shall aggre-
gate more than $4,000, 900, with the ap-
prevail of the governor, the hail insur-
ance commissioner may establish q
new schedule of premiums.
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Deportation Of all aliens who claimed