A FARMERS’ MUTUAL FIRE INSURANCE COMPANY, 27 
building in which they are kept: Provided, That the board of directors shall 
have power to prescribe rules under which kinds of property not specifically 
hereinafter enumerated may be placed in one or the other of the following 
classes, or in additional classes created py the board. 
Class A.—Brick or stone dwellings with roof of slate, metal, or other non- 
combustible material, when properly rodded against lightning. 
Class B.—Brick or stone dwellings with wooden roof, when properly rodded. 
Wooden dwellings with roof of noncombustible material, when properly 
rodded. 
Unrodded brick or stone dwellings with roof of noncombustible material. 
Class C.—Wooden dwellings with wooden roofs, when properly rodded. 
Unrodded brick or stone dwellings with wooden roof, 
Unrodded wooden dwellings with roof of noncombustible material. 
Granaries, corn cribs, and hog houses located not less than 100 feet from the 
dwelling, nor less than 50 feet from the barn, such buildings being properly 
rodded in all cases where the insurance applied for is $200 or more. 
Live stock not pastured during the summer months except where all fences 
are properly grounded. 
Class D.—Barns properly rodded. 
Unrodded wooden dwellings with wooden roofs. 
Granaries, corn cribs, and hog houses located nearer the dwelling or the barn 
than as specified for Class C, or lacking the lightning protection required for 
that class. 
Live stock pastured during the summer months where fences are not properly 
grounded, 
Class H.—Unrodded barns and other property deemed to be of similar hazard. 
(b) INITIAL PREMIUM RATES* AND BASIS OF ASSESSMENT.—The rates of initial 
premium for the various classes of property shall be determined by the board of 
directors, and shall be so adjusted as normally to cover one year’s cost of in- 
surance together with a reasonable contribution to the reserve. Assessments 
shall also be determined by the board, shall be based on the initial premium, 
and shall constitute a fixed percentage thereof, being equai to, greater, or less 
than 100 per cent, as the needs of the company may require. 
Src. 15. Losses. 
(a) PREVENTION OF Loss.—It shall be the duty of the insured to cooperate 
with the company in making his property as safe from loss aS may be reason- 
ably possible. In case of fire he shall-use his best endeavors to save his property 
and to protect from further damage such parts thereof as are not destroyed. 
(b) Notice oF Loss.—A member incurring a loss shall immediately notify the 
company, and the latter shall promptly provide for the adjustment of such loss. 
(c) STATEMENT OF LOSS.—iIt Shall be the duty of the insured, when so re- 
quired by the company, to make a complete and sworn statement of the loss in- 
-eurred by him. Such statement shall include a complete list of the property 
‘lost or damaged and the value thereof before the loss occurred, and shall in- 
dicate the time of the loss, the member’s knowledge or belief as to the cause 
of the loss, and if by fire, his knowledge or belief as to how such fire originated. 
(d) SETTLEMENT OF DISPUTED CLAIMS.—In case of disagreement between the 
adjuster or adjusters and the member sustaining the loss, the company and 
the insured shall each select one person, not an officer or director of the com- 
pany nor a relative of the insured, and the two so chosen shall select a third. 
These three shall constitute a board of arbitration, and their award shall be 
_1Suggested rates for the classes of property above outlined may be found in the appli- 
cation form (p. 30) under ** Summary.” 
