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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: ..-22c 5. ee ee eee $0. 10 
2. Variation from requirements as to number of doors, 5 cents for each door; 
total charge not to exceeds sate es ee ee eee Alb 
8. Skylights, not standards. =L.s22 332. 2 ere . 10, 
A.. Private fire protection, none; or not standard see25 5) eee ee 5 
5. Fire pails and casks of water, none, or insufficient Sa (6 casks and 12 
pails. to: compartment) < -_ 25 oe eate 50 
6. Storage of lime or oils or use of any portion of building for stabling purposes 
or-for ‘camping? o22 fo eee ee ee eee . 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 OF 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 124 cents on $100 of value.t| 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 124 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 im 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, Robert L. Cotton Warehouses: Storage Facilities now Available in the South, U, S. Depart- 
ment of Agriculture, Bulletin No, 216, 1915, 
