Evening public ledger. [volume] (Philadelphia [Pa.]) 1914-1942, 1922-10-06
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into the situation that the time has arrived
when citizens should be compelled to observe
the reasonable precautions against fire which
are necessary to reduce very materially the
tremendous annual fire losses both to life and
10 property. 1T has been the custom tn sym
phtniHe with the man who has had a fire
on ms property. and this is all right If he
Ge bln'n"rSS. which is not usually the case
,;nt mn" times out Of ten he should be
blamed for his carclcssncss and nor svmnn
thi%ed with for his loss
''Thcrr is another side which the business
man does not usually .rcOgnizr. and TINT is
'ia' llr" prevention is not Il mnttor of n dnv
or a week. but of all the year round, no
i,nttrr what business conditions may be-,
When tiIl"s of depression come n great
many business men will Inv off thc watch. St.'.
men, allow piles of rubbish to gather and
neglect other safeguards against fire in order
to reduce overhead expenses.
MS Is economy which often results in
eN1rnVhgnIIre. These men are simply inyit.
ing trouble and such actions are not good
tmuS'h"SS' ,ma n' because no insurance will cover
the loss I" business through fire. The in.
Surahr" may replace the physical property
lost, but II will not take care of the loss Of
business through being unable to fill orders
A Costly Saving
1--WE often find business mon folIou;,c
this short sighted policy for the snke Of
saving few hundred dollars. Thcv forgot
tnat their insurance will only rcpince thr
rhESirai loss of their plant. but do not con-
slider what they will lose through their com.
p"titors taking the business which thcv nro
unable to supply while their plant is being
repaired: This is the loss which rcnll,
counts. because so often they are NOT mia
to get their customers back again.
'Ihc fire insurance compnnies could ho,,
in this matter il they only would bv cam
ceiling policies of those men and firms which
40 nor observe reasonable precautions. If
would soon bring them TO book. because
when fire insurance policy is cancclcd thot
business man is in bad way with his ,'nnn ,"".
and thos" "ith whom he docs business nmt
entirek apart from the possible loss to him.
self. Il man who does not observe thrSo ,,rn
cautions is Il menace to his nclghhorhood
IA llfr insurance company will nor /,
sur" mHn who is in n dangerous nLr.innI
condition. but Il fire insurance comnan,. ~, ~,
take the risk at Il higher premium r. roaI "o''
sonablc precautions are ignored the fro in-
suranc" companies should refuse tn vrito
any insurance whatever, Their present nniv
Icy In this matter simply makes tho cornfrl
man pay Il higher premium because thc "aro
less man Is not doing what he should in th.
matter of prevention. ~ '"e
1--WE would like To see tho Office of ,ho
Fire Marshal strengthened. Fra Nnr,haI Luz
Elliot is II splendid ofirinl. intcrcstcI H. Ia
work and capable of doing it very cnicinntIrr' r'
but he has nm insufficient force to do ,hii..
to the best advantage. lie should ho,o a"'n
sufficiently lnrgc force and also the outhnri,,.
to enforce the recommendations of hi. nG;n,S ;,S
Instead of paying more each ycar no w,n H.
to put ont fires with heavy loss We sboni' W.
do more (" prevent them. Only in this w.n,.
can the problem be solved" way