10 BULLETIN 277, U. S. DEPARTMENT OF AGRICULTURE. 



•. This schedule of rates is subject to material reduction if the property is protected 

 with standard automatic sprinkler equipment. 

 Add for deficiencies as follows: 



1. Floors, not standard SO. 10 



2. Variation from requirements as to number of doors, 5 cents for each door; 



total charge not to exceed .- 15 



3. Skylights, not standard 10 



4. Private fire protection, none, or not standard 25 



5. Fire pails and casks of water, none, or insufficient supply (6 casks and 12 



pails to compartment) 50 



6. Storage of lime or oils or use of any portion of building for stabling purposes 



or for ' ' camping " 50 



7. Accumulation of loose cotton on floor or in other than closed bins 1. 00 



Make deduction as follows: 



Chemical fire engine (40-gallon, approved, on wheels, having sufficient hose attached 

 to reach any part of plant or premises) : A deduction of 5 per cent of final rate will 

 be granted, except on risks that have full credit in rate for standard private fire pro- 

 tection; said deduction not to be less than 5 cents and not to exceed 30 cents. 



ADAPTATION OP STANDARD I. 



The standard warehouse with compartments limited to 600 bales 

 capacity, as just described, is used largely by the cotton mills. The 

 Office of Markets and Rural Organization has just published the 

 results of an extensive survey in Georgia and North Carolina, which 

 showed that a large number of mills have constructed warehouses of 

 this type and equipped them with automatic sprinklers at a cost of 

 less than $3 per bale capacity. The same investigation showed that 

 the rate of insurance on cotton stored in such buildings, when fully 

 equipped with automatic sprinklers and fire hose, is frequently less 

 than 12^- cents on $100 of value. 1 While buildings of this char- 

 acter are used largely by the mills and designed primarily to meet 

 their particular needs, it would be well for any person preparing to 

 erect either a public or private warehouse to consider very carefully 

 the merits of this type. 



No attempt is made to convey the impression that every public 

 warehouse of this type would be able to insure cotton at 12$ cents 

 per $100. The underwriters' association does not publish any 

 schedule for rating such sprinkled risks, but it seems to be safe to 

 state that cotton stored in such a building and in a first-class city 

 could be insured for 25 cents, or for 30 cents in a second-class city, 

 35 cents in a third-class town, and 40 cents in a fourth-class town. 

 The cotton mills are able to get a much lower rate on their own 

 warehouses in the mill yards because the mill mutual insurance 

 companies make special rates on this particular kind of risk. A 

 certain mutual insurance company also writes insurance on such 

 private warehouses at a much lower rate than the so-called " old- 



1 Nixon, Roberl L. Cotton Warehouses: Storage Facilities now Available in the South, I'. S, ]>■ part- 



ruenl of Agriculture, Bulletin No. 210, 1915, 



