Principles of Property InsuranceThomas Y. Crowell Company, 1930 - 393 Seiten |
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80 per cent actual cash value added hereto adjustment agent agreement amount of insurance amount of loss ance annual appraisal assumed automobile average basis rate Board of Fire bottomry broker building capital cause cent coinsurance charges claims coinsurance clause corporation cost courts credit insurance endorsement erty expenses fire hazard fire insurance companies fire insurance contract fire loss Fire Underwriters graded increased indemnifies indemnity insurable interest insurance rates insured property liability limit Lloyd's Lloyd's of London London Assurance Corporation loss or damage manufacturing marine insurance ment mercantile method moral hazard mortgagee mortgagor mutual companies National Board occupancy operation organization ownership paid panies partial losses party payment percentage policyholders practice premises prevention profit property insured property owners proportion protection rata reason reinsurance rental value specific standard policy stipulations stock companies subrogation surance three-fourths tion total loss unearned premium York
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Seite 199 - This policy shall be canceled at any time at the request of the insured ; or by the company by giving five days' notice of such cancellation. If this policy shall be canceled as hereinbefore provided, or become void or cease, the premium having been actually paid, the unearned portion shall be returned on surrender of this policy or last renewal, this company retaining the customary short rate; except that when this policy is canceled by this company by giving notice it shall retain only the pro...
Seite 100 - Unless otherwise provided by agreement in writing added hereto this Company shall not be liable for loss or damage to any property insured hereunder while incumbered by a chattel mortgage, and during the time of such incumbrance this Company shall be liable only for loss or damage to any other property insured hereunder.
Seite 97 - The proximate cause is the efficient cause, the one that necessarily sets the other causes in operation. The causes that are merely incidental or instruments of a superior or controlling agency are not the proximate causes and the responsible ones, though they may be nearer in time to the result.
Seite 72 - No suit or action on this policy, for the recovery of any claim, shall be sustainable in any court of law or equity until after full compliance by the insured with all the foregoing requirements, nor unless commenced within twelve months next after the fire.
Seite 104 - This Company shall not be liable for a greater proportion of any loss than the amount hereby insured shall bear to the whole insurance covering the property against the peril involved, whether collectible or not.
Seite 78 - ... if any change other than by the death of an insured, take place in the interest, title or possession of the subject of insurance (except change of occupants without increase of hazard) whether by legal process or judgment or by voluntary act of the insured, or otherwise...
Seite 175 - ... than the amount hereby insured shall bear to the whole insurance, whether valid or not, or by solvent or insolvent insurers, covering such property...
Seite 70 - ... the several parts thereof were occupied at the time of fire; and...
Seite 94 - ... in case of any fraud or false swearing by the insured touching any matter relating to this insurance or the subject thereof, whether before or after a loss.
Seite 125 - This company shall not be liable beyond the actual cash value of the property at the time any loss or damage occurs, and the loss or damage shall be ascertained or estimated according to such actual cash value, with proper deduction for depreciation however caused, and shall in no event exceed what it would then cost the insured to repair or replace the same with material of like kind and quality...