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 ars 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 24-imch 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 hanging from the bale. These methods leave 
