20 



The Florists^ Review 



Mat i«, M19. 



possibility that frequent syringing of 

 the plants would cause much of the dust 

 to wash down into the soil before all- 

 larvae matured; hence there is a chance 

 that some would fall on and enter earth 

 where the dust had lost its effectiveness. 

 It would seem, therefore, that the most 

 opportune time to apply the dust, if rWt 

 accompanied with nightly fumigation/ is 

 during the latter part of October or the 

 first three weeks of November, at which 

 season the last generation of larvae 

 leaves the plants, enters the ground, and 

 constructs overwintering cocoons. If 

 dependence is placed on the dust alone, 

 it is imperative that the application be 

 80 timed as to be on the soil before the 

 larvae seek winter quarters. No hard 

 and fast rule governing the date of this 

 application can be recommended for all 

 localities, since temperature naturally 

 influences the final disappearance of the 

 larvte. 



The rose midge can be kept out of 

 greenhouses if proper precautions are 

 exercised. Under no condition should 

 infested plants be taken into a house 

 free from this pest. 



the Massachusetts gprowers imr mi&tld. 

 These two varieties are illustrated in 

 this issue. 



While no announcement has been 



made, it.is undjeratood that. 



son, Inc., .Oromwell, Cojul., iMw 



the stock and will dJimHwiaate both 



tliese varieties in the first {wrt ^ 3A20. 



WIND INSURANCE 



'tYi^1^7•^1Jii.^tY•^■;^/»^1;4S';■7«^'^7•'^"/•»S■.lY^^^^ 



INSnttANOE IS CANOBLED? 



MpNTOOMEST'S ROSES. 



It is much to the regret of the dis- 

 laributors of novelties that they did not 

 foresee and provide for the conditions 

 which have existed this season. The 

 high state of prosperity and the numer- 

 ous empty houses have created an ideal 

 condition for the dissemination of novel- 

 ties, but nobody was ready. There is a 

 disposition, however, to repair the error 

 next season. 



This spring the wise ones have been 

 visiting the Montgomery establishment 

 near Boston to look at the seedling 

 roses. Crusader is the new red rose 

 which will next season make its bid for 

 popular approval and Pilgrim, pink, 

 jrill undertake to garry the banner of 



Indiana Mutual Serves Notice. 



James F. Hildebrand, signing himself 

 secretary and treasurer of the Ameri- 

 can Mutual Cyclone & Hail Insurance 

 Co., of Muncie, Ind., threw a bomb into 

 the ranks of the members of that com- 

 pany May 1, when he sent an imitation 

 typewritten letter to those outside the 

 state of Indiana. Several copies of the 

 letter have been forwarded to The Ee- 

 view, either for its information or with 

 requests for advice. The letter was as 

 follows: 



As secretary and treasurer of the above uamed 

 company, both now and In the past, I am com- 

 pelled to Inform you that yoar rertilicate of 

 membership is of no more value to you as 

 protection on your greenhouses, tor the reason 

 that so many members or certificate holders 

 failed to pay their assessments and we can no 

 longer levy assessments outside of Indiana, and 

 are compelled to close up our business nnd con- 

 fine our operations to Indiana exclusively. As 

 officers of the company, we very much regret 

 this action, but are in no way to blame, it being 

 the fault -of yottr fellow members, as stated 

 above, and as a matter of safety to you, I 

 would suggest that you procure your protection 

 in some other company. 



The American Mutual Cyclone & Hail 



Insurance Co. has been operating in the 



trade for a number of years. It was 



chartered under an Indiana law which 



provides for local cooperative insurance 



companies. This law contemplates 



neighborhood operations only, but this 



Montgomery's New Pink Rose» Pilgrim. 



did not prevent the organization solicit- 

 ing members and issuing policies to 

 greenhouse owners in many other states. 

 . The policies provided that losses were 

 payable within a specified time after 

 receipt of proofs, but as a matter of 

 fact the payment of losses had to wait 

 upon the collection of assessments, the 

 amounts of which increased rapidly. 



Florists Take Maoagemeat. 



A few months ago Dillon Myers, of 

 Bluff ton, Indt, announced in The Beview 

 that the company had been reorganiaed 

 -with a board of five directors, all of 

 whom are Indiana florists. Tkej are: 

 William Bettmann, New Albany; W. H. 

 Pollett, Terre Haute; Oharles Hafer, 

 Indianapolis; Dillon Myers, Blnffton, 

 and Adolph Schilling, Fort Wayne. Mr. 

 Myers is president and Mr. 8<^illing is 

 vice-president. Mr. Hildebrand, secre- 

 tary and treasurer, was retained from 

 the former administration. 



President Myers announced that the 

 company would thereafter confine its 

 operations to the state of Indiana and 

 the secretary's notice of May 1 appears 

 to be an attempt to put that policy 

 ttito effect. How it operates is shown 

 by the letters of some of the policy- 

 holders. The Detroit Greenhouse Co., 

 by E. Y. Leslie, wrote under date of 

 May 11: 



We are enclosing a letter from a hail insur- 

 ance company in which we hold a policy for 

 $2,000, for five years from March 14, 1917, to 

 March 14, 1922. The membership fee was paid 

 in advance and all assessments have been paid 

 as due. Have we any redress for the balance 

 of the time onr membership is to run? As 

 they are a going concern and still doing business, 

 are they in no way responsible? We shoald like 

 to have your advice. 



Stephen Hyde, proprietor of the Fair- 

 view Greenhouses, Carthage, Mo., is in 

 a similar position. He writes: 



I am, or was, insured in the American Mutual 

 Cyclone & Hail Insurance Co., of Muncie, Ind. 

 The company has notified me that my insurance 

 is no good and I wonder if they intend to return 

 my assessment for this year. I paid $290 Febru- 

 ary 6, 1919. Any information you can give me 

 will be greatly appreciated. 



It is assumed that such florists as 

 Messrs. Myers, Schilling, Bettmann, Pol- 

 lett and Hafer are not treating the 

 members of the trade otherwise than in 

 accordance with legal and moral right. 

 Probably a perusal of the membership 

 contract will show that all assessments 

 collected have been to pay losses pre- 

 viously sustained by members and that 

 assessments have not been collected in 

 advance of losses. Probably the only 

 claim a member could have would be 

 for the return of a pro rata part of the 

 membership fee. It is a matter for legal 

 opinion as to an individual member's 

 right to bring suit to recover a loss sus- 

 tained during the term on which the 

 membership fee was accepted. 

 ^ There is another phase of the situa- 

 tion. Undoubtedly a study of the ap- 

 plication each member probably signed 

 would show that if he does not pay his / 

 assessment he may be subject to suit. 



