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HomeMy WebLinkAboutHome Insurance Policies 1889, 19437 Home insurance policy to R. W. Orr, 1889 I ry © m4 Co ANTAL KERR KCK KK- ‘ ao i <B Comittee tii AS )s Y MKS ae . - Sn COMWME Walangy Dori Ze Mra’ - o ; | C bl f de agiementandantdanstidinantiyel YYW CF BR Ou lo le amount ¢ - Lu. etts aud = O. eu vlan on 5 Nie toed tizom af Akis olen. tine a a by <== the p at 12 o'clock noon, to p ft _ loss or damage to be estimated according to the actual cash value o getlan on he Lath, Aaa LH iry ea CAE Ae roperty at the time of the fire, which sh exceed we deducting therefrom a suitable amount for any depreciation of such property from use or otherwise; and to be paid to the assured or Aha... Ey - Dilbriy hil liv thay oe o-sefaril eet on iy, Wa ce a << FIRE to the Oe specified, not exceeding the sum in nor interest of the era eighteen hundred and. day of_. <= a at 12 o'clock noon, the amount of would then cost to replace the same, legal representatives, sixty days eighteen hundred and.‘ all in no case after due notice and satisfactory proofs of the same are made by the assured and received at their office in Columbus, Georgia, in accordance with the terms of this Policy hereinafter mentioned. 1 And this Company shall not be liable until the actual payment of the premium, nor for loss 2 by theft at or after a fire, nor for loss caused by invasion, insurrection, riot, civil commotion, 8 military or usurped power; nor for any loss by fire where such fire is occasioned by the fall 4 of any building insured, or of any building containing the property insured, or any part of 6 such buildings; nor for any consequential or constructive ages to any building beyond 6 what it w cost to repair or replace the same, whether such damage result from municipal 7 ordinances or laws sah pe or prohibiting the reconstruction or repairs of buildings or 8 otherwise; nor for loss or damage to property in any other locality than where originally 9 insured, unless written consent to one endorsed hereon; nor for any commissions 10 on merchandise in hands of consignees; nor for loss caused by i pean or explosions of 11 any kind unless fire ensues, and then for the loss or damage by fire only; nor for loss or 12 damage caused by removal of property from a building where there is uo loss by fire, 13 unless such removal was necessary to preserve the property, in which case the damage 14 shall be borne by both parties in proportion as the whole sum insured bears to the whole 15 value of the property insured; nor for loss or damage caused by neglect to use all practi- 16 cable means to save and preserve the property from damage at and after the fire. And 17 there can be no abandonment to the Company of the property insured. _ ; 18 If an in. survey, plan or description of the property herein insured is referred ‘olicy, such application, survey, plan or description shall be considered a part is Policy, and a warranty by the assured. If the assured, in a written or verbal makes any erroneous representation, or omits to make known any fact per- the risk; or if there shall be any other insurance, whether valid or otherwise, on insured, or any part thereof, at the time this Policy is issued, or at any time ts continuance, withoet the consent of this Company endorsed hereon; or if the be increased by any means-within the control of the assured, or by the erection or ion of me. a i without such consent and endorsement; then, and in case, thi void. And immediately upon the passing or entry of foreclosure, or upon a sale under a deed of aw ce levy under an execu- the assured shall be adj a bankrupt, or if the pro insured be assigned bankrupt or insolvent laws, or if any c takes place in the title or aS Fe wo j f risk oocu ; £2, mR F g E e g RSSBREREBERSS ¢ g property, whether by sale, transfer, conveyance, legal process, or judicial \ 2. 3 decree, or if the Policy, befote loss, be assigned without the consent of the Company 32 endorsed hereon; or if the assured is not the sole, absolute, and unconditional owner of the 83 property insured; or if said property be a building or buildi and the assured be not 34 the owner of the land on which said building or oo stand, by title in fee simple, and 35 this fact is not expressed in the written portion of the Policy; or if gunpowder, phosphorus, 36 rubber cement, fireworks, naphtha, benzine, gasoline, petroleum, or crude earth or coal oils 37 are kept or used on the premises without written consent; or if the ises hereby insured 38 are or shall hereafter become vacant or unoccupied ; or being a al oe! manufactory, shall 39 be run over or extra hours, or shall cease to be operated, without notice to the Com any in 40 each case, and consent endorsed hereon ; or in case of neglect or deviation from the laws or 41 Sari regulations mace to prevent accidents from fires; then, atfd in every such case, this 42 olicy shall be void. Kerosene oil, of the legal standard, may be used for lights, lamps to be 43 filled and trimmed by daylight only ; one barrel may be kept on the premises for this purpose, 44 and may also be kept for sale in stores, in quantities not ogc barrels at any.one 45 time; if kept in greater quantities, without written consent, this Policy shall be void. This 46 Policy may be cancelled at any time at request of the assured, the Company retaining cus- 47 tomary monthly short rates for the time the Policy has been in force; it may also be cancelled 48 at any time by the Company, on giving written or verbal notice to that effect and refunding 49 or tendering to the assured, or, if the Policy be not held by him, to the legal holder thereof, 50 a ratable proportion of the premium for the unexpired term of the Policy. 51 In case of loss, the assured shall give immediate notice thereof, and shall render to 52 the Company a particular account of said loss, under oath, stating the time, origin, and 53 circumstances of the fire; the occupancy of the building insured or containing the prop- 54 erty insured; other insurance, if any, and copies of all Policies; the whole value and 66 ownership of the property, and the amount of loss or damage; and shall produce the 56 certificate, under seal of a Magistrate, Notary Public, or Commissioner of Deeds neatest 57 the place of the fire, and not concerned in the loss or related to the assured, stating that 58 he has examined the circumstances attending the loss, knows the character and ciroum- 69 stances of the assured, and verily believes that the assured has, without fraud, sustained 60 loss on the property insured to the amount claimed by the said assured. In no case shall the 61 claim be for a greater sum than the actual damage to or cash value of the property at the 62 // _ YOTANBO025 __t a Ip ae ; . lh, y Z aN LIA ay) f KA<<<qexc<< z te acai ty a a tae SS ee eS VitD DPR t Eb e every? Oo i Shera . til of We eRe Yj). FAA 10) CP PR Oy Ey _ a (o ll ameunl of Lun. os 7 Z _ —— Owe. Cele fo gris aellarcr on tor Lohr ete Bal Lu Ahoy oC Cee hur ol ty a VEZ, 0 wd halen on tes DH ory i co enti oc bye ole of Peis ‘ — e «4% ae AGanteT ALL svUcH DOceDUTE Loss of Damaae, sustained by the ty may assured in the property, EX ashereinafter provided, from CEPT at 12 o’clock noon, to a Aah uw day of __ loss or damage to be estimated according to the actual cash value o =e 1 And this Company shall not be liable until the actual payment of the premium, nor for loss 2 by theft at or after a fire, nor for loss caused by invasion, insurrection, riot, civil commotion, 8 military or usurped power; nor for aT loss by fire where such fire is occasioned by the fall 4 of any building insured, or of any building containing the property insured, or any part of 6 such buildings; nor for any consequential or constructive canara to any building beyond 6 what it would cost to repair or replace the same, whether such damage result from municipal 7 ordinances or laws ting or prohibiting the reconstruction or repairs of buildings or 8 otherwise; nor for loss or damage to property in any other locality than where originally 9 insured, unless written consent to removal is endorsed hereon; nor for any commissions 10 on merchandise in hands of consignees; nor for loss caused b ena or explosions of 11 any kind unless fire ensues, and then for the loss or damage ty only ; nor for loss or 12 damage caused by removal of property from a building where there is no loss by fire, 18 unless such removal was necessary to preserve the property, in which case the demege 14 shall be borne by both parties in proportion as the whole sum insured bears to the whole 15 value of the property insured ; nor for loss or damage caused by neglect to use all practi- 16 cable means to save and preserve the property from damage at and after the fire. And 17 there can be no abandonment to the Company of the property insured. 18 If an sore survey, plan or description of the property herein insured is referred 19 to in this Policy, such application, survey, plan or description shall be considered a part 20 of this Policy, and a warranty by the assured. If the assured, in a written or verbal 21 application, makes any erroneous representation, or omits to make known any fact per- 22 taining to the risk; or if there shall be any other insurance, whether valid or otherwise, on 23 the property insured, or any part thereof, at the time this Poticy is issued, or at any time 24 during its continuance, withogt the consent of this Company endorsed hereon; or if the 25 ri by any means-within the control of the assured, or by the erection or 26 occupation of nei 27 28 29 80 81 | sr . @ yor oe — - ae then, and in every such case, thi shall And immediately upon the passing or entry of a decree of foreclosure, or upon a sale under s deed of eal ne levy under an execu- ee t, or if the pro insured be assigned under any bankrupt or insolvent laws, or if any c takes place in the title or sion of the property, whether by sale, transfer, conveyance, legal process, or judicial ur by FIRE to the prope 9... LACK EF. deducting therefrom a suitable amount for any depreciation of such property from use or otherwise; and to be paid to the assured or ( after due notice and satisfactory proofs of the same are made by the assured and received at their office in Columbus, Georgia, in accordance with the terms of this Policy hereinafter mentioned. above specified, not exceeding the sum i oun... Cighteen hundred an Plog“ at 12 o’clock noon, the amount of eeeday oleae eo eighteen hundred and. | property at the time of the fire, which shall in no case exceed 4 would then cost to replace the same, A lta. legal representatives, sixty days decree, or if the Policy, befote loss, be assigned without the consent of the Company 32 endorsed hereon; or if the assured is not the sole, absolute, and unconditional owner of the 83 property insured ; or if said property be a building or buildings,and the assured be not 34 the owner of the land on which said building or buildings stand, by title in fee simple, and 35 this fact is not expressed in the written portion of the Policy; or if ganpowder, phosphorus, 36 rubber cement, fireworks, naphtha, benzine, gasoline, Srcuanl or crude earth or coal oils 37 are kept or used on the premises without written consent; or if the ises hereby insured 88 are or shall hereafter become vacant or unoccupied ; or being a or manufactory, shall 39 be run over or extra hours, or shall cease to be operated, witbout notice to the Company in 40 each case, and consent endorsed hereon ; or in case of neglect or deviation from the laws or 41 lice regulations made to prevent accidents from fires; then, arfd in every such case, this 42 olicy shall be void. Kerosene oil, of the legal standard, may be used for lights, lamps to be 43 filled and trimmed by daylight only; one barrel may be kept on the premises for this purpose, 44 and may also be kept for sale in stores, in quantities not oreo barrels at any.one 45 time; if kept in greater quantities, without written consent, this Policy shall be void. This 46 Policy may be cancelled at any time at request of the assured, the Company retaining cus- 47 tomary monthly short rates for the time the Policy has been in force; it ma es be cancelled 48 at any time by the Company, on giving written or verbs! notice to that effect and cgrisaeen J 49 or tendering to the assured, or, if the Policy be not held by him, to the legal holder thereof, 50 a ratable proportion of the premium for the unexpired term of the Policy. 5 In case of loss, the assured shall give immediate notice thereof, and shall render to 52 the Company a particular account of said loss, under oath, stating the time, origin, and 53 circumstances of the fire; the occupancy of the building insured or containing the prop- 54 erty insured; other insurance, if any, and copies of all Policies; the whole value and 55 ownership gf the property, and the amount of loss or damage; and shall produce the 56 certificate, ander seal of a Magistrate, Notary Public, or en of Deeds nearest 57 the place of the fire, and not concerned in the loss or related to the assured, stating that 58 he has examined the circumstances attending the loss, knows the character and circum- 59 stances of the assured, and verily believes that the assured has, without fraud, sustained 60 loss on the property insured to the amount claimed by the said assured. In no case shall the 61 claim be for a greater sum than the actual damage to or cash value of the property at the 62 nor shall the asanred be entitled to recover of this Company an than the amount hereby insured bears to the whole sum gach other insurance be by s reference to the solvency or the liability of other insurers. unless the assignee owns the property, must make the proofs hereby required. produce books of account and other proper vouchers, and t the same for examination, either at the office of this Com be named by its agent, and it extracts and copies furnish ori ly certified duplicaté invoices of all property hereby F on said ific or by general or Policies, and wi i y or such other place ereof to be made, and E Es original or , whether damaged or Ls dam 73 under oath by any person appointed rtinent to the logs, and subscribe suc writing, and a refusgl to answer such questions and subscribe such examina- 76 tions when reduced to writing, shall cause a forfeiture of all claims under this Policy. 77 Loss or damage to property partially or totally destroyed, unless the amount of said loss i upon between the assured and the Company, persons, one to be selected by the Company an 80 assured; and where eituer party demand it, the two so chosen may select an umpire to 81 act with them in case of disagrepment; and if the said appraisers fail to agree, they shall 82 refer the differences to such umpire, each party to pay their own appraiser and one-half 83 of the umpire’s fee, and the award of any two in writing shall be binding and conclusive 84 as to the amount of such loss or damage, but no appraisal nor 85 shall be construed, under any circumstances, as evidence of the validity of said Policy, or 86 of the Company’s liability thereon. When personal property is damaged, the assured shall ble, and make an inventory thereof, naming the quantity and 88 cost of each article, and upon each article the damage shall be separately apprai 89 if a building, by an estimate in detail, and the report of the appraisers in writing under 90 oath shall form a part of the proofs hereby required; and until such proofs and certifi- taisals permitted, the loss shall not be ding, fixtures, or machinery, ans and specifications of such property destroyed e right to take the whole or any part of the prop- BASSSSSRTB | shall submit to examination or examinations y, touching all questions by him examination or examinations when 78 or damage is 79 disinterested and competent eement for appraisal 87 put it in the best order roduced, and examinations and f the loss sustained be upon a b ired, furnish duly verified The Company reserves 91 cates are City of Columbus and State of Georgia. FP ps CL. CpeA “pue ! ‘ ' ; ' ~-on Lorjog ~ “SSA NLI AA “ [ye suSisse eee kep- aout ~————pgasasae ayeg sf fo sousseud us posorjjyop pun porvag 0} poudisse oq Adt[og UTq}IM ey} Ut ® ® a at 9 } 5 @ ® 5 & — & © ow ct > ® = S 4 ® @ co So a 4 o fH Q ta O oy o > it O = my Z a) 3 Z Q hy Q O KS 'U > Z Ki BT" ro ~petjeouso Aqorey st qorqa ‘ { e ' OYUN I0AO Jos puv ‘USisse ‘Jossuvsy Aqor0y ‘ASVWVd YO SSOT YOU IdIqoOaY ~~ ST “WIO1Jo19q} Pealiop oq 0} sodejuvape [[e pue ‘Ao1jog sty} ur yses0,UI pus ony fff ‘uaby 94} Wo peLimoso yorym ‘org Aq oFvurep puv sso] [[e 10} estmosdui0o pus uonoestyes ‘QuouXed pny ur ['s ‘> Saas ‘saVTIOg cepewtqrumeereeuseceste: seme. snnse-eseose VIDUOED ‘SAGWNT00 JO ‘ANVdNOD JONVYASNI ANOH VINNOS FHL Jo peswongy sq} Jepun ‘Kueduroo pres Xq pernsut Ay10doud a (aria atta ‘ hue bs with other of e time, giving notice of their intention so to do within sixty days after receipt of the proofs herein required. If any broker or other person than the assured or the duly authorized agent of this Company, has procured this insurance, or any renewal thereof, he shall be deemed to be the AGENT OF THE ASSURED, and not of this Company, in any transaction relating to the insurance. Any fraud or attempt at fraud, or any f swearing on the part of the assured, shall cause a forfeiture of all claim under this Policy. Reinsurance to be on the basis, that in no event will this Company be liable for a sum greater than the portion reinsured bears to the whole sum insured by the Compan reinsured, and in case of loss this Company to pay pro rata at and in the same time an manner as the Company reinsured. It is expressly covenanted by the parties hereto, that no suit or action against this Company for the recovery of any claim by virtue of this Policy shall be sustainable in any Court pre Law or Chancery, unless commenced within twelve months next after the loss shall have occurred ; and should any suit or action be commenced against this Company after the expiration of the eeaaatd twelve months, the lapse of time shall be taken and admitted as conclusive evidence against the validity of such claim, any statute of limita- tion to the contrary notwithstanding. And it is fartlies expressly covenanted by the parties hereto, that no officer, agent, or representative of this Company sball be held to have waived any of the terms and conditions of this Policy, unless such waiver shall be endorsed hereon in writing. It is also declared and agreed, that in case of the assured holding any other Policy in this or any other Company on the property insured, subject to the conditions of average, this Policy shall be subject to average in like manner. N. B.—Books of Accounts, Securities for Money, Evidences of Debt, Deeds, Manu- script, ee Bullion, Plate, Jewels, Jewelry, Medals, Engravings, Paintings, Sculptures, Ornaments, Musical and Scientific Instruments, Models, Patterns and Curiosities, Frescoes, or Wall Decorations are not insured, unless particularly mentioned in the Policy. Plate Glass—doors and windows—when the plates are of the dimensions of nine square feet, or so damaged at the appraised value, or to repair, rebuild, or replace the property lost manned Fike kind and quality, within a peaecmabL more; fences and other yard fixtures, awnings, signs, sidewalks, prismatic lights outside of 124 the wall lines of any building, store furniture and fixtures, counters and shelving, goods on 126 storage, are not insured under this Policy, unless separately and specifically mentioned. YO vey LF. Prvernt. PRESIDENT . az Menthe toms r Ns TRAN CH AN aah OpLted Ab 4 Laggesod- ath Cy res BE ah Chsperh : wd Sg ‘AuDpdulog 24} 02 PelspuILins PUY pepyeyuvo » Agqeuoy 92 Bond 87472 YYyma! fo UOITDUEpISU0D U2 “WNT winzegZT - 9 7. 1) Ano nd Drssucd § nt 426 tt, x ins We J, LEA: Se INCORPORATED 1859... Bdition Oaigal. 1884, , 4 C. A. CARLTON? RESIDENT A ee ANVdWO) JONVUASN] INOP VIDIO FHT, Af qaarad24% oer ‘SUV TTOR toe Wess at NOILVTTAONVO YOA Ldldoda Home insurance policy of Wade Wilhelm, 1943 Please fill out blanks to avoid non-approvals because of insufficient information to check ENDORSEMENT Policy No. This Space for Home Office Use. Wade Wilhelm Name of Assured Old Location of property (St. and No.).--O16 Newbern AV@e ______.-___ ee New. Wocationlofl property (St) anduNo)) 2292] e eee eee eee ee ee ee eee eee Town ____@tatesville,N.G. Property Insured Dw FULL COPY OF ENDORSEMENT. The interest of the assured as owner of the property insured under the above policy is hereby transferred to: C.0. McCurdy and Wife, Dora McCurdy. ° Mortgage clause attached is hereby eliminated and is of no further effect. — Total Premium ¢1000,00 _ [00 Fire $10.00 oBstended Coverage *Extended Coverage. g__10,00 b ‘ Extended inserted in the Mo insurance attaches is with the ete Sie ley Se ee ont oon spaces In Consideration of the Stipulations herein named and of. Ten and no/100 _ = Dollars Premium does insure. _Wade Wilhelm resentatives, to the extent of the actual cash value (ascertained with proper deductions for depreci- ee tae ey athe time of loss or damage, but not exceeding the amount which it would cost to repair or replace the same with material of like kind and quality within a reasonable time after such loss or damage, without allowance for any increased cost of repair or reconstruction by reason of any ordinance or law “ee construction or repair and without compensation for loss resulting from interruption of business or manufac- ture, for the term of. three years = Ban a ee eet from the ee . 16th. day of MY : , 19.43., at noon, to the... 6th day of... ___..May . ,1946., at noon, against all direct loss and damage by fire and by removal from premises endangered by fire except as herein pro- One thousand _.dollars t not exceeding...“ =.= tes : = : ; vo. viewing wactined peocerty while located and contained as described herein, or pro rata for five days at each proper place to which any of the property shall necessarily be removed for preservation from fire, but not elsewhere, to wit: Form No. 123-FE DWELLING AND HOUSEHOLD FURNITURE FORM North Carolina (9-48) (Fire with Optional Extended Coverage) (ist & 2nd Cless) Attached to and forming a part of Fire Policy No.- Pennsylvania Fire Ins.Co. Philadelphia, Pa,._.._------ issued at its_--- @,NlG.: -.geney ©.00__on the OJ ory,tTame, metal --. = pete eee roar buuding; Number of stories, construction, and roof covering and its additions, occupied by WOON eso 88 5 oo .-- family dwelling, (Owner or tenant) (Number if moret ne) situated _..016 on the north sida of Newbern Avenue -in-------- Statesville, ______, NORTH CAROLINA ___.--On all household and personal property, except as hereinafter excluded, belonging to insured and family and usual to a dwelling, while contained in above described building. Set ON one on eee ane eee ..-------- roof building, } Situated on occupied as Servants’ House. Premises of OR = See oe eee eee - _.. roof building, Above occupied as Private Garage. ' Described 5. $ ener ee ) Dwelling. *Insurance attaches only on those items where an amount is shown opposite, and for only the amount inserted. Exclusions—This policy does not cover: Motor vehicles, accounts, bills, currency, deeds, evidences of debt, money, notes or securities. Extended Coverage Endorsement (Applies only in consideration of additional premium therefor)—In con- sideration of a premium of $ ) the Extended Coverage Endorsement printed on the back of this form ix made effective, subject, however, to all of its stipulations, limitations and conditions Unearned Premium Endorsement (Applies only in consideration of additional premium therefor)—In con- sideration of a premiuin of $ the Unearned Premium Endorsement printed on the back of this form is made effective, subject, however, to all of its provisions. ¢Safe Flue Warranty printed below does. 200 --apply {Chemical Extinguisher Warranty printed below does not apply. This insurance effected subject to following conditions, which are hereby made warranties by insured: Mortgagee Olause (Applies to Building Items only)— Loss or damage if any on building items, shall be pay able to Hone 14}.4 ing &. Joan. ABS. _ (address) tate TRV GNA Cee oe eeeeee - (2) z --(address) aooee eee 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 of the within described property, nor by any fore closure or other proceedings or notice of sale relating to the property, nor by any change in the title or owner- ship of the property, nor by the occupation of the premises for purposes more hazardous than are permitted by this policy: Provided, That in case the mortgagor or owner shall neglect to pay any premium due under this policy, the mortgagee (or trustee) shall, on demand, pay the same. Provided also, That the mortgagee (or trustee) shall notify this Company of any change of ownership or occupancy or increase of hazard, which shall come to the knowledge of said mortgagee (or trustee) and, unless permitted by this policy, it shall be noted thereon, and the mortgagee (or trustee) shall, on demand, pay the pre- mium for such increased hazard for the term of the use thereof; otherwise this policy shall be null and void. This Company reserves the right to cancel this policy at any time as provided by its terms, but, in such case this policy shall continue in force for the benefit only of the mortgagee (or trustee) for ten days after notice to the mortgagee (or trustee) of such cancellation, and shall then cease, and this Company shall have the right, on like notice, to cancel this agreement. Whenever this Company shall pay the mortgagee (or trustee) any sum for loss or damage under this policy and shall claim that, as to the mortgagor or owners, 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, or may at its option pay to the mortgagee (or trustee) the whole principal due or to grow due on the mortgage with interest, and shall thereupon receive a full assignment and transfer of the mortgage and of all such other securities; but no subrogation shall impair the right of the mortgagee (or trustee) to recover the full amount of his, her or their claim. Insurance Under Item 1 above shall cover, while on the premises: (a) Integral parts of the building; awn- ings, but in the event the Extended Coverage Endorsement is made a part of this policy it is understood and agreed that awnings are not covered thereunder for loss or damage caused by windstorm, cyclone, tornado and hail unless liability therefor is specifically assumed by endorsement; fences; all lumber and materials if building is in course of construction; (b) service equipment if building oceupied by tenant; (¢) up to 5% of its amount but not to exceed its pro rata part of 5% of all concurrent fire insurance thereon or pro rata part of $1,000, which- ever is less, on private and auxiliary outbuildings; such amount shall apply as excess after any other fire insur- ance thereon has been exhausted Insurance Under Item 2 above shall cover: (a) All property required to be specifically mentioned by this policy; (b) insured’s interest in articles purchased on partial payment plan; (c) up to 10% of its amount on above described property of servants and non-paying guests, loss thereon to be adjusted with and payable to in sured; (d) up to 10% of its amount, to apply as excess after any other fire insurance thereon has been exhausted, on above described property in outbuildings and elsewhere on the premises; (e) up to 10% of its amount but not to exceed its pro rata part of 10% of all concurrent fire insurance thereon or pro rata part of $1,000, whichever is less, on above described property while temporarily removed to any other location in the United States of Amer- fea, Canada or Newfoundland ; such amount shall apply as excess after any other fire insurance thereon has been exhausted. Permission Granted—(a) For other concurrent insurance; (b) for not exceeding 30 days vacancy at any one time (including 10 days allowed in policy) provided premises are secured against intrusion dwring the period; (c) for not exceeding 6 months unoccupancy at any one time (including 30 days vacancy allowed above), the term ‘‘unoccupancy’’ being construed to mean a building that is entirely furnished but with personal habit- ants temporarily removed, provided premises are secured against intrusion during the period; (d) to make alter- ations and repairs and to complete the buildings if they are in course of construction; (e) for use of premises and to keep thereon all articles and materials, including automobiles, usual and incidental to dwelling occupancy Safe Flue Warranty (Applies to Fire Coverage only) (Applicable unless voided above)—Warranted that during the term of this policy there will be no chimneys, flues or stovepipes constructed of brick-on- edge, terra cotta or cement pipe, masonry less than 3% inches in thickness, or metal passing through windows, = ceilings or roof of the building described herein, excepting vents for appliances burning artificial or natu- ral gas. YOhemical Extinguisher Warranty (Applies to Fire Coverage only) (Applicable only when so noted above) —Warranted that at all times, there will be located on each floor of building described herein not less than one properly filled 214-gallon type fire extinguisher carrying label of Underwriters’ Laboratories, Inc. Further, where instructions on extinguishers so specify they shall be recharged at least annually and date of charge shown on tag attached to each. Lightning and Electrical Apparatus Olause (This Clause Void as to Windstorm Insurance)—1. Except as hereinafter provided, this policy also covers direct loss or damage to the property described in this policy caused by lightning (meaning thereby the commonly accepted use of the term “‘lightning’’ and in no case to include loss or damage caused by cyclone, tornado or windstorm) whether fire ensues or not. 2. If electrical appliances or devices of any kind, including wiring, /are covered under this policy, this Company shall not be liable for any electrical injury or disturbance to the said electrical appliances or devices caused by electrical currents artificially generated, unless fire ensues, but if fire does ensue, then, in consideration of the rate of premium at which this policy is written, this Company shall be liable for its proportion of loss or damage caused by such ensuing fire 3. It is also a condition of this policy that if there be other fire insurance upon the property covered, this Company shall be liable only for such proportion of any direct loss or damage caused by fire or by lightning as the amount of this policy bears to the whole amount of fire insurance applying, whether such other insurance contains a simi lar clause or not. 4. The liability of this Company for any or all of the hazards covered under this policy shall not exceed the amount stated in this policy and except as specified herein shall be subject to all of the terms and con- ditions of this policy. Pall of Building Clause Waiver (Applies to Fire CoVerage only)—The provision in this policy that if the building or any part thereof fall, exeept as a result of fire, all insurance by this policy shall immediately cease, is hereby waived; provided, however, that this Company shall not be liable for loss caused by the fall of any portion of said building from a cause other than fire, unless fire ensues, and then for the loss by fire only. In no event shall this Company be liable, however, for an amount exceeding that proportion of loss for which it would have been liable under all the terms and conditions of this policy had the fall not oecurred. Civil Authority Clause—The insurance provided in this policy is extended to include direct loss and dam- age to the described property caused by acts of destruction executed by order of dnly constituted civil authority during a conflagration to retard the spread thereof, provided, however, the conflagration is not caused direetly or indirectly by or incident to: (1) war, invasion or other warlike operations (whether war be declared or not); (2) insurrection ; (3) military or usurped power; or (4) by riot or civil eommotion (unless liability for loss or damage by riot or civil commotion is specifically assumed under this policy by endorsement) ; subject, moreover, to all the other terms and conditions of this policy. This Company shall not be liable, however, for more than the amount for which it would have been liable had the loss been caused by fire. Standard Time Olause—It is understood and agreed that the word ‘‘noon’’ as used herein, in designating the beginning and ending of the term of insurance, refers to Standard Time at the place where the property is located. PROVISIONS PRINTED ON BACK OF THIS FORM APPLY ONLY IN CONSIDERATION OF ADDITIONAL PREMIUM(S). EXTENDED COVERAGE ENDORSEMENT (Applies only in Consideration of Additional Premium Therefor) In consideration of the premium for this cover shown on the reverse side hereof, or in the face of the policy, and subject to stipulations, limitations and conditions herein and in the policy to which this endorsement is at- tached, including riders and endorsements thereon, the coverage of this policy is extended to include direct loss or damage by windstorm, cyclone, tornado and hail, explosion, riot, riot attending a strike, civil commotion, air- craft, smoke and vehicles, and loss of use (rental value) on building items. This endorsement does not increase the amount or amounts of insurance provided in the policy to which it is attached. a If this policy be divided into two or more items, the provisions of this endorsement shall apply to each item separately. @ubstitation of Terms—In the application of the stipulations, limitations and conditions of this policy, in- eluding riders and endorsements (but not this endorsement), to the perils: covered by this Extended Coverage Endorsement, wherever the word ‘‘fire’’ appears, there shall be substituted therefor the peril involved or the loss caused thereby, as the case requires. t Olause—This Company shall not be liable for a greater proportion of any loss or damage from any peril or perils included in this endorsement than (1) the amount of insurance under this policy bears to the whole amount of fire insurance covering the property, whether valid or not and whether collectible or not, and whether or not such other fire insurance covers against the additional peril or perils insured hereunder ; (2) nor for a greater proportion than the amount of insurance under this policy bears to the amount of all insurance, whether valid or not and whether collectible or not, covering in any manner such loss or damage; furthermore, if there be other insurance covering any one or more of the perils causing loss or damage hereunder, covering specifically any individual unit of property involved in the loss or damage, only such proportion of the insurance under this policy shall apply to such unit specifically insured, as the value of such unit shall bear to the total value of all the property covered under this policy, whether such other insurance contains a similar clause or not. Glass Pro Rata Distribution Olause—It is expressly stipulated as applicable to all perils included in this endorsement that only such proportion of the insurance under this policy on any building covers on plate, stained, leaded or cathedral glass therein as the value of such glass shall bear to the total value of said building; and the amount of insurance on such glass as thus ascertained shall apply to each plate in the proportion that the value of such plate bears to the total value of all such glass. War Risk Exclusion—This Company shall not be liable under this endorsement for loss which is caused directly or indirectly by bombardment, invasion, civil war, insurrection, rebellion, revolution, military or usurped power or by operations of armed forces while engaged in hostilities (whether war be declared or not), or by civil commotion arising from any of the foregoing. Waiver of Conditions—A claim for loss or damage from perils to which this policy is extended in this endorsement shall not be barred because building is not on ground owned by the insured in fee simple, factory operations have ceased, of change of occupancy, of existence of encumbrance, of factory operations at night, nor because of vacancy or unoccupancy. Stipulations, Limitations and Oonditions Applicable Only to Windstorm, Cyclone, Tornado and Hail—This Company shall not be liable for any loss or damage caused by snowstorm, blizzard, frost or cold weather; nor for any loss or damage to stacked grain, hay or straw, windmills, wind-pumps or their towers, whether blown down or not; nor for loss or damage to other property caused by the blowing down of windmills, wind-pumps or their towers, unless such other property also sustains other loss or damage caused by wind; nor for loss or damage occasioned directly or indirectly by or through any tidal wave, high water, overflow, cloudburst, theft; nor for any loss or damage caused by water or rain, whether driven by wind or not, unless the building insured, or con- taining the property insured, shall first sustain an actual damage to the roof or walls by the direct force of the wind, and shall then be liable only for such damage to the interior of the building or the insured property therein, as may be caused by water or rain entering the building through openings in the roof or walls made by the direct action of the wind, or by water from sprinkler or other piping broken by such damage to roof or walls. Unless liability therefor is specifically assumed by endorsement, this Company shall not be liable for any loss or damage to metal smokestacks, awnings, signs, temporary or board roof additions. Stipulations, Limitations and Conditions Applicable Only to Explosion—The extension of coverage to in- clude explosion is not a waiver of any provision of the policy prohibiting the keeping, using or allowing on the described premises any prohibited articles or materials, or keeping, using or allowing articles or materials in quan- tities prohibited by the policy. This Company shall not be liable for loss or damage by explosion originating within steam boilers, pipes, fly-wheels, engines and machinery connected therewith and operated thereby. Any other explosion clause made a part of this policy is superseded by this endorsement. Stipulations, Limitations and Conditions Applicable Only to Riot, Riot Attending a Strike and Civil Com- motion—Loss or damage by riot, riot attending a strike or civil commotion shall include direct loss or damage from pillage and looting when such pillage and looting occurs during and at the immediate place of a riot, riot at- tending a strike or civil commotion and shall also include direct loss or damage by acts of striking employees of the owner or tenant(s) of the described building(s) while occupied by said striking employees excluding, how- ever, loss resulting from damage to or destruction of the described property owing to change in temperature or interruption of operations when such change in temperature or interruption of operations results from riot, strike, occupancy by striking employees or civil commotion whether or not such loss or damage, due to change in temperature or interruption of operations, is covered by this policy as to other perils. Stipulations, Limitations and Conditions Applicable Only to Damage by Aircraft and Vehicles—Loss or dam- age by ‘‘aircraft’’ includes direct loss and damage by objects falling therefrom. The term ‘‘vehicle’’ as used in this endorsement means vehicles running on land or tracks. This Company shall not be liable, however, for loss or damage by any vehicle owned or operated by the insured or by any tenant of the above described premises or by any agent, employee or member of the household of either; nor shall this Company be liable for any loss or damage to vehicles, fences, driveways, sidewalks or lawns. Stipulations, Limitations and Conditions Applicable to Smoke—The term ‘‘smoke’’ as used in this endorse- ment means only smoke due to a sudden, unusual, and faulty operation of any stationary steam, hot water or hot air plant pertaining solely to the service of the building, while contained in or on the premises owned or occupied by the insured and described in this policy, bat not smoke from stoves, fireplaces or industrial apparatus. Special Conditions Applying to Loss of Use (Rental Value) Insurance—If the building or buildings insured hereunder shall be rendered untenantable by any of the perils insured against under this policy or endorsement, occurring during the continuance of this policy, this Company shall thereupon become liable for the rental value thereof from the date of the loss or damage until such time as the building or buildings can with reasonable dili- gence and dispatch be rendered again tenantable, although the period may extend beyond the term of this policy. It is understood and agreed that this Company’s liability for loss of rental value for each building covered hereunder shall not exceed one-twelfth (1/12) of ten per cent (10%) of the amount of fire insurance thereon under this policy for each month that said building remains untenantable. UNEARNED PREMIUM ENDORSEMENT (Applies only in Consideration of Additional Premium Therefor) In consideration of the premium for this cover shown on the reverse side hereof, or in the face of the policy, this policy is hereby increased in an amount sufficient to cover the uncarned premiums involved in this policy against the hazards herein specified. If, by reason of loss occurring during the term of this policy, any loss- payments are made which shall reduce the insurance under this policy, this insurance shall indemnify the insured for the loss of the pro rata unearned premium on the amounts of such loss-payments. In consideration of the reduced rate at which this insurance is written, it is a condition of this contract that the amount of insurance hereunder on unearned premium shall automatically reduce pro rata each day of the term of this endorsement. This Company waives its right to reduce this policy upon payment of its proportion of loss or damage not in excess of 5%, or $100.00, if that sum be greater than 5%, of the total insurance on each item covered there- under; in consideration of this waiver it is agreed that there shall be no payment of unearned premium loss under the above quoted Unearned Premium Clause on an item upon which insurance hereunder would have been re- duced except for such waiver. (N, C.—128-FB) This policy is made and acce; and conditions printed on the nace provisions, stipulations and conditions as may be endorsed hereon or added hereto as h 4u Wituess Whereof, this Company has executed and attested these presents; but this policy shall not be ted subject to the foregoing étipulations and conditi i { tions, and to th i hereof, which are hereby made a part of this policy, tbgether sith Gaeta erein provided. valid until countersigned by the duly authorized Agent of the Company at STATESVILLEN.O.21172 Vice President and S. 7 ecretary Peasileni Statesville N.C. 43 1947 Webb / - EamRente peonay, Agent. 1 This entire policy is void if the insured has 2 eee concealed or misrepresented any material fact 3 sentation, otc. or circumstance concerhing this insurance or 4 the subject thereof; or in case of any fraud or false swearing by 5 the insured touching any matter relating to this insurance or the 6 subject thereof, whether before or after a loss. 7 hich This policy shall not cover accounts, bills, 8 Eeovery © currency, deeds, evidences of debt, money, notes 9 ea or securities 10 This company shall not be liable for loss 11 Hazards not or damage caused directly or indirectly by 12 covered. invasion, insurrection, riot, civil war, or 13 commotion, or military or usurped power, or by order of any 14 civil authority; or by theft; or by neglect of the insured to use 15 all reasonable means to save and preserve the property at and 16 after a fire or when the property is endangered by fire in 17 neighboring premises. . : 18 is entire policy is void, unless otherwise provided by agree- a ment in writing a “5 pee om F pee : a) if the interest of the insured is other than 21 Ownership, etc. unconditional and sole ownership; or (b) if 22 the subject of insurance is a building on ground not owned by 23 the insured in fee simple; or (c) if, with the knowledge of the 24 insured, foreclosure proceedings are commenced or notice given 25 of sale of any property insured hereunder by reason of any mort- 26 gage or trust deed; or (d) if any change, other than by the death 27 of an insured, takes place in the interest, title, or possession of 28 the subject of insurance (except change of occupants without in- 29 crease of hazard); or (e) if this policy is assigned before a loss. 30 Unless otherwise provided by agreement in writing added here- 31 to, this company is ane ae for loss oa amas oe 32 : a) while the insured has any other contract 33 Other insurance. of insurance, whether valid or not, on property Bey covered in whole or Seed 2 policy ij or | a while the hazard is increase y any 36 ee of means within the control or knowledge of 37 ard. the insured ; or | : — 3 Repairs, etc. (c) while mechanics are employed in building, 40 beyond a period of fifteen days; or altering, or repairing the described premises 41 : (d) while illuminating gas or vapor is gener- 42 Exe atv, ated on the described p crsea or while (any 43 S#, tc. usage or custom to the contrary notwithstand- 44 ing) there is kept, used, or allowed on the described premises 45 fireworks, greek fire, phosphorus, explosives, benzine, gasoline, 46 naphtha, or any other product of petroleum of greater inflam- 47 mability than kerosene oil, gunpowder exceeding twenty-five 48 pounds, or kerosene oil exceeding five barrels; or 49 Factories. (e) if the subject of insurance is a manufac- 50 turing establishment while operated in whole 51 or in part between the hours of ten p. m. and five a. m., or while 52 it ceases to be operated beyond a period of ten days; or . 53 U (£) while a described building, whether in- 54 ~ BUSCRpenty: tended for occupancy by owner or tenant, is 55 vacant or unoccupied beyond a period of ten days; or 56 Excepted (g) to bullion, manuscripts, mechanical draw- 57 Property. ings, dies, or patterns; or 58 Senioeio (hh) by explosion or lightning, unless fire ensues, ras! st te and, in that event, for loss or damage by 60 lightning. fire only. 61 Chattel Unless otherwise provided by agreement in 62 mortgage. writing added hereto this company is not 63 liable for loss or damage,to any property insured hereunder while 64 encumbered by a chattel mortgage, and during the time of such 65 encumbrance this company is liable only for loss or damage to 2 any other property ripe Bene re ; 6 ee a building, or any material part thereof, 68 Fall of building. falls, except as the result of fire, all insurance 69 by this policy on such building or its contents immediately ceases. 70 Added cla The extent of the application of insurance 71 ——* under this policy and of the contribution to 72 be made by this company in case of loss or damage, and any 73 other agreement not inconsistent with or a waiver of any of the 74 conditions or provisions of the policy, may be provided for by 75 rider added hereto. . . 76 Watwar No one has power to waive any provision or 77 : condition of this policy except such as by the 78 terms of the policy is the subject of agreement added hereto, nor 79 shall any such provision or condition be waived unless the waiver 80 is in writing added hereto, nor shall any provision or condition 81 of this policy or any forfeiture be waived by any requiremen 82 act, or proceeding on the part of this ee relating to apprai 83 or to any examination herein provided for; nor shall any privi- 84 lege or permission affecting the insurance hereunder exist or be 85 claimed by the insured unless granted herein or by rider added 87 nereto, This policy will be led i is policy wi cance at any time at 88 conn the request of the insured, in which case the a9 Poy: company shall, upon demand and surrender 90 of the policy, refund the excess of pee premium above the cus- 91 tomary short rates for the expired time. The policy may be 92 canceled at any time by the company by giving to the insured a 93 five days written notice of cancellation with or without tender 94 of the excess of paid premium above the pro rata premium for 95 the expired time, which excess, if not tendered, shall be refunded 96 on demand. Notice of cancellation must state that the excess 97 premium (if not tendered) will be refunded on demand. 98 son sas This company will not be liable for a greater 99 Pro rata liability. Proportion of any loss or damage than the 100 amount hereby insured bears to the whole insurance covering the 101 property, whether valid or not and whether collectible or not. +“. 1 Noon: The word “noon” herein means noon of 103 standard time at the place of loss or damage. 104 If loss or damage is made payable, in whole 105 Mortgagee. or in part, to a mortgagee, this policy may 106 be canceled as to such interest by giving to the mortgagee a ten 107 days written notice of cancellation. Upon failure of the insured 108 to render proof of loss, such mortgagee shall, as if named as 109 insured hereunder, but within sixty days after such failure, render 110 proof of loss and be subject to the provisions hereof as to appraisal 111 and time of payment. On payment to a mortgagee of any sum for 112 loss or damage hereunder, if this company claims that as to the 113 mortgagor or owner no liability ected it shall, to the extent of 114 such payment, be subrogated to the mortgagee’s right of recovery 115 and claim upon the eolliteed to the mortgage debt, but without 116 impairing the mortgagee’s right to sue; or it may pay the mort- 117 gage debt and require an assignment thereof and of the mortgage. 118 Except as stated in this paragraph, the agreement between a 119 mortgagee and this company shall be only as stated by rider a added hereto. oe ee . 4j . . : e insured shall give immediate notice, in 122 poauiremente writing, to this company, of any loss or damage, 123 = protect the property from further damage, 124 forthwith separate the damaged and undamaged personal prop- 125 erty, put it in the best possible order, furnish a complete inven- 126 tory of the destroyed, damaged and undamaged property, statin 127 the quantity and cost of each article and the amount claime 128 thereon; and the insured shall, within sixty days after the fire, 129 unless such time is extended in writing by this company, render | 130 to this company a proof of loss, signed and sworn to by the insured, 131 stating the knowledge and belief of the insured as to the time 132 and origin of the fire; the interest of the insured and of all 133 others in the property; the cash value of each item thereof, and 134 the amount of loss or damage thereto; all encumbrances thereon; 135 all other contracts of insurance, whether valid or not, cover- 136 ing any of said property; and a copy of all the descriptions 137 and schedules in all policies; any changes in the title, use, occu- 138 pation, location, possession, or exposures of said property since 139 the issuing of this policy; and by whom and for what purpose 140 any building herein described and the several parts thereof were 141 occupied at the time of fire; and shall furnish, if required, 142 verified plans and specifications of any building, fixtures, or 143 machinery destroyed or damaged. The insured, as often as is 144 reasonably required, shall exhibit to any person designated by 145 this company all that remains of any property herein described, 146 and submit to examinations under oath by any person named 147 by this company, and subscribe the same; and, as often as is 148 reasonably required, shall produce for examination all books 149 of account, bills, invoices, and other vouchers, or certified copies 150 thereof, if originals are lost, at such reasonable time and place 151 as is designated by this company or its representative, and shall ie permit extracts and erie ieee! to Fe me : n case the insured and this company fail to 154 Appraisal. agree as to the amount of loss or damage, each 155 shall, on the written demand of either, select a competent and 156 disinterested appraiser. The appraisers shall first select a com- 157 petent and disinterested umpire; and failing for fifteen days to 158 agree upon such umpire, then, on request of the insured or this 159 company, the umpire shall be selected by a judge of a court of 160 record in the state in which the property insured is located. The 161 appraisers shall then appraise the loss and damage, stating sepa- 162 rately sound value and loss or damage to each item; and failing 163 to agree, shall submit their differences only to the umpire. An 164 award in writing, so itemized, of any two, when filed with this 165 company, shall determine the amount of sound value and loss or 166 damage. Each appraiser shall be paid by the party selecting him, 167 and the expenses of appraisal and umpire shall be paid by the a parties Saal. ; t is optional with this company to take all, 170 Company's or any part, of the articles at the agreed or 171 °F . appraised value, and also to repair, rebuild, 172 or replace the property lost or damaged with other of the like 173 kind and quality within a reasonable time, on giving notice of 174 its intention so to do within thirty days after the receipt of the He proof of loss eset eierea set oy ere can be no abandonment to this compan 177 Abandonment. of any property. — 178 The amount of loss or dam fot which thi When loss yg atigeeld . 179 company may be liable shall be payable six 189 Payable. days after proof of loss, as even provided, 181 is received by this company and ascertainment of the loss or 182 damage is made either by agreement between the insured and 183 this company expressed in writing or by the filing with this 184 company of an award as herein provided. 185 Suit. No suit or action on this policy, for the re- 186 covery of any claim, shall be sustainable in 187 any court of law or equity unless the insured has complied with 188 all the requirements of this policy, nor unless commenced within th twelve months next 7 the fire. ; is company may require from the insured 191 Subrogation. an assignment of all an of recovery against 192 any pa for loss or damage to the extent that payment therefor 193 is made by this company. ASSIGNMENT OF INTEREST BY INSURED. The interest of. as owner of the property covered by this Policy is hereby assigned to subject to the consent of The Pennsylvania Fire Insurance Company. hen (Signature of the Insured.) CONSENT BY COMPANY TO ASSIGNMENT OF INTEREST. The Pennsylvania Fire Insurance Company hereby consents that the interest of as owner of the property covered by this Policy be assigned to................... Dated. (Signature for Company) FORM FOR REMOVAL Permission is hereby granted to remove the property insured by this Policy to the. and this Policy is hereby made to cover the same property in new locality, all liability in former locality to cease from this date. Rate increased to..__...% Additional Premium $.. - Rate reduced to... % Return Premium $ . ott Agent Deeb cee 19 SHEET.____. BLOCK. No. CECIL F, SHALLCROSS - - - President REGINALD P.STOCKHAM - - Secretary DIRECTORS WILLIAM W. BODINE HENRY I. BROWN _ MORRIS L. CLOTHIER EDWARD HOPKINSON, JR. LEONARD H. KINNARD WILLIAM F. KURTZ ISAAC W. ROBERTS CECIL F. SHALLCROSS JOSEPH WAYNE, JR. NEW YORK OFFICE: 150 WILLIAM ST., NEW YORK CITY ON Ri oP He roaster, oe ese OO 5 ‘Standard Fire Insurance Policy of of North Carolina and South Carolina 0 CIARA ter e States Expires May 16,1946 Popes Dwelling Amount” - E a - - ¢1000.00 Fire Premium - a Total Extended Premium Coverage Premium $_ $402.00 Wade Wilhelm No...297947 The Webb Insurance Agency Statesville, N. C. W.E. WEB, Mgr. J.C. WALKER, Asst. Mgr. It is important that the written portions of all policies covering the same property read exactly alike. If they do not they should be made uniform at once. | § 1500-2-42 s te If this Policy is cancelled the following receipt is to be filled up and signed by the insured. 19 Dollars, IN CONSIDERATION of Return Premium, the receipt of which is hereby acknowledged, this Policy is cancelled and sur- Insurance Company. F Vania rendered to The Pennsyl Insured