The Policy Provisions Relating to the Risk Assumed, 95.
-Liability Dependent upon the Location of the Property,
95.-The "Doctrine of Proximate Cause" and the Mean-
ing of the Term "Direct Loss," 96.-The Meaning of
"Loss or Damage by Fire," 98.-Excluded Risks, for
which the Company Assumes No Liability, Classified and
Described, 99.-Excluded Articles, 101.-Articles In-
sured Only When Liability is Indorsed on the Policy, 101.
-The Company's Liability Limited to the Actual Cash
Value of the Property at the Time of the Loss, 102.-
Valued Policy Laws, 103.-The Objections to Such Laws,
103.-The Option of the Company to Rebuild or Replace
the Destroyed or Damaged Property, 103.
The Policy Provision Relating to the Term, 105.-When
the Policy Takes Effect, 105.-Retroactive Insurance,
106.-"Open Policies," 108.-The Renewal of the Con-
tract, 109.—A Renewal Policy Legally a New Contract,
109.-Description of the Property in Renewal Policies,
111.-Renewal Policy to be Presumed in All Respects
Like the Original Policy, 111.-Cancellation of the
Policy, 112.-The Right of Cancellation and Reasons
for, 112.-The Cancellation Clause of the Policy, 112.—
Tender of the Unearned Premium, 113.-Notice of Can-
cellation, 114.-Nature of Short Rate Tables Explained,
114.-Sample Short Rate Tables, 116.
Policy Provision Concerning, 124.-Apportionment of
Loss Where the Policies are Concurrent, 124.-Illustra-
tion of the Application of the Rule, 124.-Meaning and
Importance of Phrase "Whether Valid or Not, or by
Solvent or Insolvent Insurers," 125.-Contribution When
the Policies are Non-Concurrent, 126.-Examples of Non-
Concurrent Policies, 126.-Attitude of the Courts in Such
Cases, 127.-The Difficulties Involved in Apportioning
Compound Insurance, 128.-The Various Rules in Use for
the Apportionment of Loss Among Specific and Com-
pound Policies, 129.-An Example of the Apportionment
of Compound Insurance, 130.
Grouping of Such Provisions, 134.-Notice of Loss and
Proofs of Loss, 134.-Meaning of "Immediate" Notice,
135.-Certificate of a Notary Public, as Part of the Proofs
of Loss, 137.—Fireproof Safe Clause, 138.—The Exhibi-
tion of Property and Records, and the Examination of
Witnesses, 138.-The Appraisal Clause of the Standard
Policy, 139.-Its Interpretation, 140.-The Status of the
Clause in Pennsylvania, 140.
The Legal Relation of Such Indorsements to the Main
Body of the Policy, 142.-Indorsements Suggested by
the Policy and Policy Provisions Concerning Them, 144.
-Classification of Such Indorsements, 144.-Indorsement
Permitting Manufacturing Establishments to be Oper-
ated at Night or to Close Down, 144.-Indorsements
Permitting the Increase of the Hazard, 144.—Indorse-
ments Permitting the Presence of Prohibited Articles
on the Premises, 144.-The Vacancy Clause, 146.-In-
dorsements Relating to the Title, Possession, or Inter-
est, of the Insured in the Insured Property, 148.-In-
dorsements Which are Not Mentioned in the Policy
Classified and Explained, 150.
Definition of, 164.-The New York Standard Coinsurance
Clause, 164.-Application of the Coinsurance Clause
Illustrated, 165.-Reasons for the General Adoption of
the Principle Explained and Illustrated, 166.-Anti-Coin-
surance Laws, 170.-Such Laws Criticised, 171.-Graded
Rates for Coinsurance, 172.-Explanation of the Method
of Treating the Subject in the Universal Mercantile
Schedule, 172.-The Rule Adopted in this Schedule and
Its Application, 173.-The Reasoning Back of the Adop-
tion of this Rule, 173.-Coinsurance Applied to the
Rating of Fireproof Buildings, 175.-The Three-Quarters
Loss and Value Clauses, 180.
The Public's Conception of Rate-Making in Fire Insur-
ance, 183.-The Nature of the Hazard in Fire Insurance,
185.-Necessity of Distinguishing Between Classes of
Property, 185.-Necessity of Distinguishing Between
Risks Within the Same Class, 185.-The Effect of Envi-
ronment, 185.-The Necessity of Distinguishing Between
Various "Occupancies," 186.-The Effect of Changing
Business Conditions, and the Absence of Constant Fac-
tors, 186.-Fire-Insurance Rating Contrasted with Rate-
Making in Life Insurance, 186.-Systems of Rating, 187.
-These Systems Compared, 189.-The Average Rating
Schedule Described, 189.-The Rating of Mercantile
Risks, 190.
The Problem of Fire Prevention in America, 220.-In-
spection Bureaus and Their Work, 221.-The Work of the
National Fire Protection Association, 222.-The Work of
Companies Along Fire Prevention Lines, 223.-Fire
Extinguishing Facilities, 223.-Standpipes and Water-
Pails, 223.-Fire Notification Facilities, 224.-Automatic
Sprinklers, 226.-A Description of the Same, 226.—An
Explanation of Their Efficiency, 227.-The Installation of
Automatic Sprinklers, 230.-Their Importance in Redu-
cing Fire Rates, 232.-The Planning and Construction of
Buildings, 235.-Fireproof Buildings and Their Construc-
tion, 236.—Fireproof Buildings in Recent Conflagrations,
238.-Semi-Fireproof Buildings and Slow-Burning Build-
ings, 241.-Fire Doors and Shutters, and Wire-Glass, 242.
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