The value of a Standard Form of Policy to the insured lies chiefly in the fact that now there is only one form of policy used in a state by all Companies, instead of numerous conflicting forms issued by many companies.

Prior to the use of a standard form of policy it was difficult to determine when the property of the insured was protected and still more difficult to arrive at an adjustment in case of loss.

If there is any objection to the "Standard Form" it will be found more in its arrangement than requirements.

The insured, not being familiar with the details. of insurance requirements, can readily appreciate that his safety lies in the ability and integrity of the agent who places the risk with the Company.

After an examination of the litigated cases it can be safely stated that if the insured, or his representative, had properly worded the application for the insurance, so as to show the true interest of the insured and the character of the risk, there would have been no occasion for a law suit or delay in the settlement of the loss.

It requires a slight examination, as far as the conditions are concerned, to determine that a policy has been properly worded, viz.: