Fire Insurance Law: An Authoritative Analysis of the Standard Fire Insurance Policy, of Its Legal Aspects, and of the Standard Forms and Clauses Used in Connection Therewith |
From inside the book
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Page 6
... issued by Barbon has come down , nor have any others previous to 1709 , one issued in that year bearing date of April 14 , being among the oldest known policies . It reads as follows : This present instrument or Policy of Insurance ...
... issued by Barbon has come down , nor have any others previous to 1709 , one issued in that year bearing date of April 14 , being among the oldest known policies . It reads as follows : This present instrument or Policy of Insurance ...
Page 7
... issued in that day are worthy of special notice . One of the earliest known was published in 1684 by the Friendly Society , as it was called . It reads as follows : 1. Every person entering into this Society is to subscribe an ...
... issued in that day are worthy of special notice . One of the earliest known was published in 1684 by the Friendly Society , as it was called . It reads as follows : 1. Every person entering into this Society is to subscribe an ...
Page 10
... issued by the Sun Fire - Office read as follows : " No. 163677 WHEREAS Joseph Bezer of Andover in the County of Southampton Shoemaker hath paid the Sum of Four Shillings__ to the Society of the Sun Fire - Office in London , and has ...
... issued by the Sun Fire - Office read as follows : " No. 163677 WHEREAS Joseph Bezer of Andover in the County of Southampton Shoemaker hath paid the Sum of Four Shillings__ to the Society of the Sun Fire - Office in London , and has ...
Page 20
... issued new additions of applications and policies containing additional stipula- tions to the effect that their agents were not their agents but were the agents of the premium payer ; that the latter was alone respon- sible for the ...
... issued new additions of applications and policies containing additional stipula- tions to the effect that their agents were not their agents but were the agents of the premium payer ; that the latter was alone respon- sible for the ...
Page 21
... issued this in 1873. The policy was permissive in character and not mandatory . Any com- pany doing business in the State was permitted to adopt the policy , but no company was compelled to do so . On October 1 , 1881 , the State of ...
... issued this in 1873. The policy was permissive in character and not mandatory . Any com- pany doing business in the State was permitted to adopt the policy , but no company was compelled to do so . On October 1 , 1881 , the State of ...
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Fire Insurance Law: An Authoritative Analysis of the Standard Fire Insurance ... Edward R. Hardy No preview available - 2017 |
Common terms and phrases
actual cash value alterations and repairs amount insured apparatus application assured Average Clause benzine building or buildings calcium carbide camphene caused by Lightning cent chattel mortgage coinsurance contained contract court damage by cyclone described premises direct loss dwelling Electric Light electrical injury employed for ordinary entire policy estoppel exceeding fact fire insurance forming gasoline hazard heat held to include hereby insured bears household furniture insurable interest INSURANCE COMPANY insurance permitted inventory or appraisement lamp liable loss by Lightning loss or damage loss shall happen material mortgagee or trustee naphtha notice until required occupied ordinary alterations party payable Permission for mechanics permission is hereby permitted without notice plaintiff plated ware premium Privilege property described property insured rata risk Signature for Company special inventory standard policy subrogation sum hereby insured term Lightning thereby the commonly thereof thereto tion understood and agreed vapor waiver warranties York Standard
Popular passages
Page 34 - This company shall not be liable beyond the. actual cash value of the property at the time any loss or damage occurs, and the loss or damage shall be ascertained or estimated according to such actual cash value, with proper deduction for depreciation, however caused, and shall in no event exceed what it would then cost the insured to repair t>r replace the same with material of like kind and quality...
Page 38 - This entire policy shall be void if the insured has concealed or misrepresented, in writing or otherwise, any material fact or circumstance concerning this insurance or the subject thereof...
Page 197 - Loss or damage, if any, under this policy, shall be payable to as mortagee [or trustee] as interest may appear, and this insurance, as to the interest of the mortgagee [or trustee] only therein, shall not be invalidated by any act or neglect of the mortgagor or owner...
Page 20 - A corporation is an artificial being, invisible, intangible, and existing only in contemplation of law. Being the mere creature of law, it possesses only those properties which the charter of its creation confers upon it, either expressly or as incidental to its very existence.
Page 71 - This policy is made and accepted subject to the foregoing stipulations and conditions, together with such other provisions, agreements, or conditions as may be indorsed hereon or added hereto, and no officer, agent, or other representative of this company shall have power' to waive any provision or condition of this policy except such as by the terms of this policy may be the subject of agreement endorsed hereon or added hereto...
Page 65 - ... within sixty days after the fire, unless such time is extended in •writing by this company, shall render a statement to this company, signed and sworn to by said insured, stating the knowledge and belief of the insured as to the time and origin of the fire; the interest of the insured and of all others in the property; the cash value of each item thereof and the amount of loss thereon...
Page 62 - If, with the consent of this company, an interest under this policy shall exist in favor of a mortgagee or of any person or corporation having an interest in the subject of insurance other than the interest of the insured as described herein, the conditions hereinbefore contained shall apply in the manner expressed in such provisions and conditions of insurance relating to such interest as shall be written upon, attached or appended hereto.
Page 70 - No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity until after full compliance by the insured with all the foregoing requirements, nor unless commenced within twelve months next after the fire.
Page 135 - ... their own, or held by them in trust, or on commission, or on joint account with others, or sold but not delivered, contained in
Page 197 - Whenever this company shall pay the mortgagee any sum for loss or damage under this policy and shall claim that, as to the mortgagor or owner, no liability therefor existed, this company .shall, to the extent of such payment, be thereupon legally subrogated to all the rights of the party to whom such payment shall be made under all securities held as collateral to the mortgage debt...