The Bamberg herald. [volume] (Bamberg, S.C.) 1891-1972, 1919-09-11
EXTRA CHARGE OFF
IN FIRE INSURANCE
ALL CLASSES OF RISKS IN THE
STATE GET REDUCTION.
Letter From Dunbar.
Southeastern Underwriters Follow
Resolution Adopted by Insur-
ance Commissioners.

Columbia, September 6.-Manage1
William F. Dunbar of the Southeast
ern Underwriters Association as of
date August 29 sent notices to all rat
ing bureaus under his juridiction no.
tifying them that the war emergency
charge of ten per cent. had been re-
scinded effective September 1.
Manager James R. Parker of the
South Carolina rating and inspection
bureau located here has been busy
sending notices to the fire insurance
agents in South Carolina to this ef-
feet.
The additional charge has been on
some classes of risks for about two
years and on others for a less period.
In certain classes the additional
charge was in the promulgated rate"
and was not added by the agent, but
in the order sent out the 10 per cent.
additional charge is eliminated from
all cases.
The letter sent by Mr.. Dunbar is as
follows:
ITO Companies and Agents:
This is to advise that amendments
to rates, rules and forms and the
guide, providing for the collection of
"a 10 per cent. war emergency charge,
are rescinded on and after September
1, 1919.
"In this connection the following
rule has been adopted:
"It; shall not be permissible to re-
bate by Endorsement or otherwise any
portion of the war emergency charge
on a policy written to take effect
prior to September 1, 1919, unless the
entire policy is cancelled at short
rates; nor shall the war emergency
charge, or any part of it, be refunded
to the assured in event of pro rata
cancellation of contracts issued to
take effect prior to September 1, un-
less the cancellation is requested by
the company"
''The war emergency charge was
mot separately collected on certain un-
profitable classes listed in white
amendments of July 2, 1917, to town
rate books, because the charge was
included in the rates promulgated by
those amendments. Agents may elimi-
nate the 10 per cent. from these
classes by dividing final rates by II
and deducting the result from the
final rates. Following is an illustra-
ton:
Original final rate.--..$1. 90
Increase (white slip amendment,
July 2, 1910 ------------..- 10
s1.10
$1.10 divided by II equals 10
Deduct ---- 10
Correct rate ...- --..S..-..........-S1.0 90
"The several classes, referred to
above, which embody the war emer-
gency charge Gas listed ON white
amendments of July 2, 1910, are as
follows:
Protected dwellings having COM
bustible roofs.
Unprotected dwellings of all class
Protected barns and garages (fami-
ly use only having combustible roofs.
Unprotected barns and garages
(family use only) of all classes.
Churches, schools, universities and
colleges of all classes.
Protected boarding houses having
combustible roofs.
Unprotected boarding houses of all
classes.
Protected hay and feed warehouses
having combustible roofs.
Unprotected hay and feed ware
houses of all classes.
Protected hotels other thar brick.
Unprotected hotels Of all classes.
Frame mercantile buildings and
contents Of all classes.
Retail mercantile stocks in brick
buildings in first, second and third
went on, that I have lived right;
never too much of anything and nev-
er too little Most Of my life has
been spent outdoors. Water has been
the strongest drink I ever tried and
I never had indigestion in my life. l