40 A STORY OF COTTON 



Whether the warehouse to be constructed, is one with a 

 maximum holding capacity of one thousand bales, or, whether 

 the warehouse is expected to contain a maximum holding 

 capacity of one million bales of cotton, the same degree of 

 thought and attention, should be given to its construction. 



All plans and all specifications for the construction of a 

 cotton warehouse, either large or small, should be submitted 

 to the Fire Insurance Ihiderwriters before they are finally 

 adopted. 



This is ABSOLUTELY necessary, as, the enormous amount 

 of money paid to Insurance Companies in premiums, each 

 year, is, in itself, one of the most extensive causes of com- 

 plaint by the owner of cotton. WHEREAS, 



It is NOT the desire of the Fire Insurance Underwriters to 

 collect LARGE premiums, due to GREAT hazards, and to the 

 GREAT EXPOSURE of cotton to fire, as the Insurance Fra- 

 ternity, collectively and individually, would infinitely rather 

 collect smaller premiums on the policy that issues for cotton 

 that is stored in sprinklered warehouses and properly cared 

 for. 



The Fire Insurance Associations of America, and the Fire 

 Insurance Associations of Europe are prepared, free of all 

 cost to the prospective builder of a warehouse, to furnish, at 

 any and all times, the advice of professional men that have 

 made a LIFELONG STUDY of the subject of fire protection, 

 to check specifications for cotton warehouses and advise, in 

 such a manner, that the FIRE HAZARDS will be reduced to a 

 minimum, when a finished warehouse is produced, and the 

 rates for insurance will be of a MINIMUM character, and the 

 assured will be perfectly satisfied. 



It often occurs that cotton warehouses are constructed 

 WITHOUT consulting the Fire Underwriters' Engineers, with 

 the result, that the rate for insurance, when applied to the 

 contents of a warehouse so constructed, is OBJECTED to. 



The warehouseman becomes INDIGNANT, as to the rates 

 the Fire Insurance Underwriters make applicable to his ware- 

 house, with the result, that the builder has but TWO alterna- 

 tives under these conditions. 



