COTTON WAREHOUSE CONSTRUCTION. 29 



and waterworks that will insure an ample supply of water under the 

 proper pressure at all times. The streets must be paved and standard 

 in width, an efficient police force must be maintained, and the city 

 must have proper ordinances for assuring caution in regard to fire. 

 It is also necessary for a first-class city to have well-defined fire 

 limits. 



Second-class city. — The requirements for a second-class city are 

 very much the same as for the first-class, except that the fire company 

 may be only partly paid, but it must be in charge of a competent 

 chief. The streets need not be paved, and the requirements in regard 

 to equipment are not so rigid as in class 1. 



Third-class towns. — In this class the fire company is voluntary, but 

 must be under a competent chief. This voluntary fire company must 

 be provided with adequate hose wagons or hose reels and a sufficient 

 quantity of standard 2-^ -inch cotton hose. The town must have 

 standard waterworks and a fire alarm centrally located. 



Fourth-class towns. — This class includes towns and villages having 

 no approved waterworks or fire department. 



INSURANCE RATES. 



Explanation. — In discussing insurance rates every effort has been 

 made to give authentic information. The data which have been used 

 are taken from the rates quoted by the Southeastern Underwriters' 

 Association. In many instances the exact language employed in 

 "Rates, rules, and forms" has been used. After this material was 

 prepared it was submitted to experienced insurance men. It is con- 

 fidently believed that every statement made is correct, but at the 

 same time no responsibility is assumed for the correctness of the rates 

 quoted in this bulletin. 



Segregation. — In controlling or preventing fires one of the funda- 

 mental principles is segregation. This is accomplished in various 

 ways. One way is to erect small buildings a sufficient distance from 

 each other or from other buildings, so that if one house be com- 

 pletely burned none of the others will be affected by the fire. When 

 larger buildings are erected, division or fire walls divide the space 

 into compartments. A fire in one compartment may destroy all of 

 the contents and the combustible portion of the building without 

 affecting other adjoining compartments. 



This plan of segregation is very important in the case of cotton, 

 for it is of such an inflammable nature that it produces a flash fire. 

 This is the case particularly with cotton in the form in which it is 

 ordinarily stored. It is not properly wrapped at first, and, after it 

 has undergone frequent samplings it reaches the warehouse in a very 

 ragged condition. Much of the lint is not covered at all, and this 

 loose lint is sometimes hang-ins; from the bale. These methods leave 



