The Wolf Point herald. (Wolf Point, Mont.) 1913-1940, 1921-06-23
IMPORTANT CHANGE
In MONT. HAIL LAW

Maximum protection from hal
damage at minimum cost is nov
available to the farmers of Montana
under the provisions of the state hal
insurance law which was amended a
the last session of the legislature tc
conform with the changes and ex.
perience of four years operation
showed to be necessary.
Zones Created
Perhaps the most important change
made in the law was one permitting
the State Board of Hail Insurance to
divide the state into zones and charge
according to the risk experience has
shown is taken. Hail insurance will
be issued to cover wheat, oats, flax,
barley, rye, ~buckwheat, corn, speltz,
timothy, clover, alfalfa, peas and
beans, for a miximum insurance of
$1,000.
On zone one, composed of the
counties of Fergus, Judith Basin,
Meagher, Wheatland, Musselshell,
Golden Valley, Sweet Grass, Still
water, Carbon, Yellowstone and Big
Horn the maximum rate that can be
collected is S1.20 an acre on grain
and SOC on hay.
In zone two, where experience has
proven the hail risk is less, the max
imum rate that can be charged is
S1.08 an acre on grain and 45c an
acre on hay. In this one are includ-
ed the counties of Blaine, Phillips,
Valley, Sheridan, Roosevelt, Rich
land, Dawson, McCone, Garfield,
Treasure, Rosebud, Prairie, Custer,
Powder River, Carter, Fallon, Wi
baux, Daniels, Hill, Liberty, Toole,
Pondera, Glacier, Teton, Lewis and
Clark, Cascade, Choteau, Gallatin,
and Park.
The counties in zone three have
suffered still less from hail and the
maximum rates in this zone are 85c
an acre on grain and 35c an acre On
hay. Included in this zone are the
counties of Lincoln, Flathead, San
ders, Missoula, Mineral, Powell,
Granite, Ravalli, Deer Lodge, Silver
Bow, Beaverhead, Madison and JEFF
ferson.
Time for Applying Extended
The time in which application may
be made for hail insurance has been
extended from June Goth to August
[ 18th. Under the old hail law farm
srs had to file their applications by
Tune goth each year in order to Sc
the benefits of the State Hail In
;urance law. This was a great hard
ship in many cases. Farmers COM
very much of the injustice Of
this provision and are very much
at the liberal extension of
time. Liberal terms are provided
low for the farmer who has taken
1ut hail insurance and later con-
:ludes to cancel it. On a policy o
winter grain, cancelled before
Tune 18th one-fourth of the full rate
will be charged; if cancelled between
Iune 18th and June23rd inclusive,
,ne-half the full rate will be charg-
ID; if cancelled between June oath
md June30th inclusive, t~hree-fourths
If the full rate will be charged. At
June 80 the full rate prevails.
On a policy covering spring grain,
.ancelled before July 9th, ~one-fourth
# the full rate will be charged; if
.ancelled between July 9th and July
9th inclusive, one-half the full rate
viii be charged; if cancelled between
'uly 18th and July 18th inclusive,
hree-fourths of the full rate will be
harged. After July 18th the full
ate prevails.
Applications Filed With Assessors
Application for hail insurance
must be made direct to county asses
ors. The premium charged is col
ected at tax paying time, save that
he premium must accompany the APP
ilication when the land ON which the
rops are growing has more than one