FUTURE; IN INSURANCE; 127 



is evident from the experience on the national forests today. For 

 the small holding, especially the wqqdlot on the farm, insurance 

 would be beneficial and may even become necessary if these valuable 

 woods are to be preserve'd. For commercial companies these wood- 

 lots are not inviting as objects to insure, the difficulties in appraisal 

 of damage alone being sufficient to discourage any company. It 

 will require mutual insurance as now exists in many counties, or 

 state insurance will have to supply security. 



