BY-LAWS OF INSURANCE ASSOCIATION. 171 



in case a loss occurs previous to the payment of the said note, the Secretary shall 

 retain out of the amount allowed for loss when adjusted, the amount of said 

 note and interest 



Sec. 3. If, at the expiration of a policy, there is deposit-money on hand it 

 will be refunded, by giving thirty days notice, and also forwarding the certificate 

 of deposit and the policy; and if it shall ever so happen that the deposit-money 

 of any person insured should be insufficient to pay the proportion of losses and 

 expenses of the Association for the time insured, the Secretary shall notify such 

 person, and he, she or they, can withdraw, or deposit such an amount of money 

 as the Board of Directors may deem sufficient to pay the proportion of losses and 

 expenses for the uuexpired term of the insurance. 



INSURANCE. Section 1. Property of those insuring may be removed at the 

 pleasure of the owner, to any other locality where such property can be insured, 

 if not more hazardous; the party must notify the Secretary of the removal, with 

 a description of the new locality, and pay a fee of one dollar and twenty-five 

 cents. 



Sec. 2. Insurance in this Association shall be effected for five years, and all 

 policies, and alterations in policies, shall expire in five years from date of first 

 policy. 



Sec. 3. Any person insured in this Association may have the policy canceled 

 at any time, on making application to the Secretary, and returning the policy and 

 certificate of deposit; and in ninety days the money deposited, less the amount 

 of assessments and proportion of expenses, will be refunded; and the Secretary 

 is authorized to cancel any policy whenever he deems advisable, after the Policy 

 Note given becomes due, unless said note shall be renewed or paid within thirty 

 days; and for non-conforrnance with the rules and regulations of the Association. 



Sec. 4. The insurance shall cease upon the sale of the property insured, but 

 the insurer shall be holden for all assessments, until the policies shall be legally 

 withdrawn and canceled. 



Sec. 5. If ashes are kept in a wooden box, cask or vessel of any kind of 

 wood, in any buildings insured, that will endanger the same, or when out of 

 doors, if not deposited twenty feet from buildings, the Association will not be 

 responsible for any loss resulting therefrom. No stove pipe must come nearer 

 than four inches of wood or other combustible material, unless protected by a 

 funnel. Kerosene or fluid lamps must never be filled while burning. Smoking, 

 or playing with matches, or carrying open or lighted lamps or caudles in or about 

 barn, or other places liable to take fire, are prohibited. Wooden fire-boards 

 must be lined with zinc, sheet-iron, or tin, when a stovepive enters the chimney. 



This Association will not be responsible for any loss occurring by or through 

 the neglect of any portion of this section. 



_ Sec. 6 t Altering or improving any building does not affect the policy, pro 

 vided these By-Laws are not violated, nor the risk increased by such alteration 

 or improvement. 



Sec. 7. Any person found guilty of fraud or false swearing, in any manner 

 affecting the risk, will thereby forfeit his insurance. 



Sec. 8. Upon the death of any person insured, the insurance will continue good 

 to the heirs or legal representatives. 



Sec. 9. Any person insured wishing to insure the same property in another 

 association, must notify the Secretary and obtain consent. 



Sec. 10. If the buildings insured shall at any time be used for the purpose of 

 carrying on or exercising therein any trade, business or vocation denominated by 

 insurance companies as hazardous, or extra hazardous, the insurance shall be 

 null and void. 



Sec. 11. Whenever any person having insurance in this company, shall mort 

 gage the property insured, the policy shall thereby terminate and become void, 

 unless upon written application to the Secretary he waive the said forfeiture, and 

 give a written certificate of such waiver. 



Sec. 12. This Association shall pay no more than five hundred dollars on any 

 one animal. 



Sec. 13. If any person shall allow any insured building to become vacated or 

 unoccupied for a period to exceed thirty days, without the consent of the Secre 

 tary, the insurance on such building and its contents shall be null and void, until 

 said building is again occupied. 



Sec. 14 . Every person applying for insurance shall make a true statement of 

 the amount of incuinbrance, if any, both real and personal. 



