28 BULLETIN" 277, U. S. DEPARTMENT OF AGRICULTURE. 



COTTON IN BALES ON RIVER BANKS AND PLANTATIONS. 



In buildings other than gin houses. 



1. Standard mill construction with fire walls and approved roof $2. 50 



2. Same as 1, with shingle or unapproved roof 2. 75 



3. Frame building with corrugated iron sides and approved roof 3. 00 



4 . "Wooden building with approved roof 3. 25 



5. Wooden building with shingle or. unapproved roof 3. 50 



6. Cotton in the open 3. 50 



On cotton wharves. 



Standard: One-story frame or iron-clad building, not exceeding 25,000 square feet, 

 under first-class city fire protection. .Private fire protection to conform to standard 

 requirements. Fire pails every 50 feet; watchman and approved watch clock. 



First- Second- 

 class city. ' class city. 



Third 

 and 



fourth 

 class 



towns. 



Basis. 



2.25 82.40 S2.o0 



Add for deficiencies as follows: 



1 . Excess area, for each 5,000 sqiiare feet above 25,000 but not to exceed 50,000 



square feet $0. 01 



For each 10,000 square feet in excess of 50,000 square feet 01 



2. Roofing not standard 25 



3. For second story (no charge for office occupancy above first story) .10 



4. Heating by stoves unsafely arranged 25 



5. Lights, kerosene oil, acetylene, or gas, with swinging brackets 10 



6. Steam hoisting engine with boiler, or wood cutting on pier 25 



7. If boiler stack is without spark arrester 25 



8. Age and general condition $0. 05 to . 25 



9. No standard private fire protection (two water supplies required) 25 



10. Casks of water and fire pails, none 10 



1 1 . Watchman and approved watch clock, none 25 



Make deductions as follows: 



1. For uncovered wharf 50 



2. If covered pier of steel-frame construction throughout 25 



3. For pier built all on land or filled in underneath, deducl lor contents rale. . 10 



4. Fo/ fire-boat protection, according to efficiency $0. 05 to .25 



5. For piers having all reinforced concrete foundations and piling (on piers 



only; no deduction Eor contents 25 



Deducl for chemical (ire engines the same as in Standard I. 



GENERAL CONSIDERATIONS RELATING TO COTTON STORAGE AND 



FIRE INSURANCE. 



CLASSIFICATION OF CITIES AND TOWNS. 



For convenience in quoting insurance rates, cities and towns are 

 divided into four classes: 



First-class city. — This class requires thai, the city have, mi efficient, 

 fuuy paid lire department, with standard equipment throughout, 



