The Bismarck tribune. [volume] (Bismarck, N.D.) 1916-current, 1923-11-17
HAIL Z0NING
IS PROPOSED
BY. OFFICIALS
Would Prescribe Four Zones
in State and Apply Differ
ent Rates to Each
HIGHER IN THE WEST
Also Proposed to Initiate Law
Appropriating Money to
Pay 1923 Deficit

Four hail insurance zones would be
created in North Dakota, each paying
a different rate for insurance. un-
der proposed initiative law drawn
by Commissioner Of Insurance S. A.
Olsness and Hail Insurance Depart
ment Manager Martin Hagen. The
law provides also that the insurance
department may obtain 100000 from
the permanent surplus for the pur-
pose of making up the deficit exist
ing in the 1923 hail insurance indem-
nifty assessed to pay losses. The law
is tentative, but if the department
maintains its views it probably will
be submitted to be a vote in the
June, 1924, primary instead of in
March. as originally suggested.
1t is provided that when levy
for indemnity tax is made each OF
the four districts in the state shall
be considered unit and the rate Of
the indemnity shall be based upon
the following proportions between
thS oiSSli Gilot uioGAiSt1 4-S
Second district, 1-2; Third district.
6; Fourth district z. Every fifth
year a report would be made on the
experience of losses and recommen-
dations made to the legislature for
redistricting the state.
The First district would be COM
posed Of the following counties:
Pembina, Cavalier, Walsh, Ramsey,
Grand Forks, Nelson, Trail, Steele,
Cass, Barnes, Richland. Ransom and
Sargent.
District No. would embrace:
Towner, Rolette, Bottlneau, Renville,
Burke, Benson, Pierce, McHenry,
Ward, Mountrail,' Mclean.
District 10. 8 would include:
Eddy, Wells, Sheridan, Griggs, Fos-
ter, Stutsman. Kidder, Burleigh, La
Moure, Logan, Emmons, Dickey and
Mcintosh.
District No. would be composed
Of: Divide, Williams, Mckenzie, Oil
yer, Mercer, Dunn, Billings, Golden
Valley, Norton, Stark, Sioux, Grant,
Hettinger, Slope, Adams and Bow
man..
The ~districting, it is stated, is
based on past experiences, and the
districts are rated in accordance to
their hail losses of the past five
years.
1t is further provided that "if the
losses in any one year equals more
than $50 per cent of the risk for the
First district, 8.47 per cent for the
Second district, 11.3O per cent for
the Third district, and 1918 per cent
for the Fourth district, based OFT the
proportions of ratios hereinbefore
provided, in order that the loLes
may be paid in full, the Commission
er of Insurance may use any moneys
in the surplus OF the Hail Insurance
Fund to pay such difference between
the moneys actually obtained by the
levy for hail indemnity and the
amount actually needed to pay all
such legal 1ndemnities for that year,
and the Commissioner of Insurance
shall in the following or any succeed
ing year or years when the indemnity
for hail losses. as above provided, is
not in excess of an average of 10
per cent of the risk carried by the
department, include In the levy for
hail indemnity tax such sum or sums
that may be necessary to reimburse
the surplus fund for moneys borrow
ed from such fund, both for the orig
inal amount used to pay in full the
losses suffered during the year 1923
and for other sums that have been,
or may hereafter be borrowed from
such fund, according to the pro-
visions of this actS' 1t also is pro-
vided the levies may be spread over
several years.