354 BOARD OF AGRICULTTJEE. 



protection to the one-third of onr property tliat is not covered by insurance 

 without asliing anj' favors of the company in the way of lower rates. 



Mr. Barrett: We have three classes, first, second and third. I am 

 going to urge our people to have another class for properly rodded build- 

 ings. Class No. 1 is all wood. If I was going to make an assessment of 

 15 cents it would be straiglat 15 cents on the hundred dollars on that class 

 of buildings. No. 2 is a frame building with slate roof, and is entitled 

 to 20 per cent. off. No. 3 is a brick building with slate roof, and we only 

 make a three-fourths assessment on that. The better buildings a man 

 has the more reduction in the rate he is entitled to. 



I do not see any i*eason why a man should not have a further reduc- 

 tion if his Iniildings are well rodded. If a man has a good frame house 

 with a slate roof, which is insured for fifteen hundred dollars, he is al- 

 lowed 20 per cent, reduction. That would be three hundred dollars, so 

 when I assess him it is only on twelve hundred dollars. A brick house 

 with a slate roof, insured for sixteen hundred dollars, would be assessed 

 on twelve hundred dollars. 



President Jones: If a man carries two thousand dollars of insurance, 

 twelve hundred on a house of the first class and eight hundred on a barn, 

 what class does the barn go into? The barn is a common wooden building. 



Mr. Barrett: It is classed No. 1, as is also the personal property. 



President .Tones: Suppose a man has a frame house with metal roof 

 insured for $800 and he also has a barn. Do you separate them in the 

 assessment? His house would be No. 2 and his barn No. 1. 



• Mr. Barrett: I would assess them separately. 



President .Jones: When you make the assessment and one man who 

 has had such a reduction made in his assessment goes and shows it to 

 his neighbors Avho have not had reductions nindo. don't you have a great 

 deal of trouble correcting mistakes? 



Mr. Barrett: I did at first until 1 explained to them how I did busi- 

 ness. Now they make no complaint. 



President Jones: Didn't you lose a good many members at fir.st? 



Mr. Barrett: I lost no members that were reasonable men. The men 

 who were unreasonable I did not care to have in the association. 



President Jones: 1 ask these questions so as to bring the difficulty 

 of carrying o\it such a sy>;t(MU before the members of this Union. T 

 wanted them to know the difficulties that would be met by a company 

 that had been running on the level assessment plan if they should change 

 to the classification plan. 



