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Show &! ESCff -ONUSES .' kind, or lightning; but liability for direct damage by lightning may he assumed by specific agreement hereon. Labor Disorders Included. Clause No. S. This company shall not be liable for loss caused directly or Indirectly In-directly by invasion, Insurrection, riot, labor strike, civil war, or commotion, or military or usurped power, or by order of any military authority, to prevent the spread of fire, whether such order ' be local or not, nor In consequence of any neglect of, or deviation from police or municipal laws, - rules or ordinances, where such exist; or by theft at or after fire; or by neglect of the Insured to use all reasonable means to save and preserve pre-serve the property at or after the fire or when the property is endangered by tire from neighboring .premises, or (unless fire ensues, and, in that event, for the damage by fire only) by explosion of any kind or from any cause, or the bursting of a boiler, or earthquake, or hurricane, or lightning but liability for direct damage by lightning may be assumed by speclflo agreement- hereon. Clause, No. 6 This company shall not bs liable fo loss caused directly or indirectly indi-rectly by invasion, insurrection, riot, civil war or commotion, or military or usurped power, or by order of any civil authority; or by theft; or by neglect of the insured to use all reasonable means to save and preserve the property at and after a fire or when the property Is endangered by fire In neighboring premises or (unless fire ensues, and In that event, for the damage by fire only) by explosion of any kind, or lightning; but liability for direct damage by lightning light-ning may be assumed by speclflo agreement agree-ment hereon. Clause No. 7. This company shall not be, liable tor loss caused directly or indirectly in-directly by invasion, earthquake, insurrection, insur-rection, riot, civil war or commotion, or ' military or usurped power, or by order of any civil authority; or by theft, or by neglect of the insured to use all reasonable rea-sonable means to save and preserve the property at and after a fire or when the property is endangered by fire in neighboring neigh-boring premises; or (unless lire ensues, and, in that svent, for damage by fire only) by explosion of any kind, or lightning, light-ning, but liability for direct damage by lightning may be assumed by speclflo agreement hereon. Clause No. S. This company shall not be liable for loss caused directly or indirectly in-directly by Invasion, Insurrection, riot, civil war or commotion, or military or usurped power; or by order of any civil authority; or for loss or damage occasioned occa-sioned by earthquakes, hurricanes or volcanic vol-canic eruptions, or from the burning of forests or the clearing of lands; or by theft; or by neglect of the Insured to use all reasonable means to save and preserve pre-serve the property at and after a fire, or when the property is endangered by fire In neighboring premises; or (unless fire ensues, and, in that event, for the damage dam-age by fire only) by- explosion of any kind. As to Falling Buildings. After each of the above eight clauses Occurs tbe following paragraph, which covers cases where buildings fall: "If a building or any par.t thereof fall, except as the result of Are, all Insurance by this policy on such building or its eon-tents eon-tents shall Immediately cease.'.'. The companies operating In California which have been classed under the above clauses are as follows: No. 1 Hartford Fire Insurance company, com-pany, New York Underwriters', Citizens', of St. Louis. No. 2 Firemen's Fund of California; Law Union and Crown, Pacific Underwriters', Under-writers', St. Paul Fire and Marine. Union Assurance society of London. No. 2 New Zealand Insurance company. No. 4 Indemnity Fire Insurance company com-pany of New Tork; Norwich Union Fire Insurance society. No. 6 North German Fire, of New Tork; Security Fler of Baltimore. ' No. Aachen ft Munich, Aetna Insurance Insur-ance company, of Hartford; Agricultural Insurance company. New Tork; American Insurance company, of Boston; American, Ameri-can, of Newark; American, of Philadelphia; Philadel-phia; Assurance company of America. New Tork: Atlanta-Birmingham Insurance Insur-ance company. Atlas, of London; British-American, British-American, of Toronto; British-American, of New Tork; Calif orinla Insurance company. com-pany. Calumet, of Chicago; Colonial Fir Underwriters', Connecticut Fire, Contl- j nental. of .New Tork; Delaware Insurance -company of Philadelphia; Eagle Fire, of New Tork; Fire Association, of Philadelphia; Phila-delphia; Franklin Fire, of Philadelphia; Glrard Fire and Marine, Olens Falls Insurance In-surance company. Globe It Rutgers, of New Tork; Hamburg-Bremen, Hanover, of New Tork: Home Fire and Marine, of California; Home Insurance company, of New York: Insurance company of North America, Liverpool. London and Globe, Earthquake clauses and other clauses in flr insurance policies have become the chief topic among the insuring public pub-lic of lae. San Francisco's disaster, 1n . which disarrangement pt the water system by earthquake indirectly caused awful havoc by fire, has become an extreme example which the Insurer seeks to profit by in the writing of his policy. Best's insurance report. Just Issued, five an interesting summary of the saving sav-ing clauses over which the big contest is being waged, some ef -which may possibly pos-sibly go into the courts. This showing; will prove Instructive to all who are wrestling with insurance problems Just now, even in Salt Lake, where the earthquake earth-quake clause will have no more possible use than ' the fifth wheel to a wagon. Best's insurance reports show that there are eight distinct earthquake and dynamite clauses in the policies of companies com-panies operating in California. In the process of adjustment a- prominent brokerage firm has been gathering and classifying them, until the total la satisfactorily sat-isfactorily reduced to this number, although al-though the clauses in which the earthquake earth-quake saving: appears in slightly varying form are nearly as many as there are companies. Baa Peculiar Significance. After girlng a list of tbe saving clauses the reports close the subject with the statement: "It will be seen from a careful care-ful reading that there are ' only two clauses (Nos. 7 and 8) sufficiently broad to raise a question as to ths liability of the company." As this authority Is held high in insurance circles, and Is taken to reflect the highest legal opinions available, avail-able, the message has peculiar significance signifi-cance for tbe San Francisco sufferers. Of ths total companies operating in the State, only seven have clauses numbered 7 and B. If no doubt remains about all other policies, the policies that may be litigated will be much reduced under early expectations. The different clauses, In the order presented, are as follows: Am to liability. "Clause No. 1. This company shall not be liable for loss caused directly or indirectly in-directly by. Invasion, insurrection, riot, civil war ot commotion; or military or usurped power, or by order of any civil authority; or by theft; or by neglect of the Insured to use all reasonable means to have and preserve the property at and after a fire, or when tbe property is endangered by fire in neighboring premises; prem-ises; or (unless fire ensues, and. in that event, for the damage by fire only) by explosion ex-plosion of any kind, earthquake, or light-nine, light-nine, but liability for direct damage by lightning may be assumed by speclflo agreement hereon. "Clause No. X. This company shall not be liable for loss caused directly or In? directly by invasion, insurrection, riot, civil war or commotion, or military or usurped power, or by order of any civil authority, whether such order be legal or not, nor in consequence of any neglect of, or deviation from, police or municipal munici-pal laws, rules or ordinances where such exist; or by theft; or by neglect of the Insured to use all reasonable means to save and preserve the property at and after a fire, or when the property la endangered en-dangered by a fire in neighboring premises, prem-ises, or (unless fire ensues, and, in that vent, for damage by fire only) by explosion ex-plosion of any kind, or lightning; but liability for direct damage by lightning may be assumed by speclflo agreement hereon. . A Volcano Clause. "Clause Noa. This company shall not be liable for loss caused directly or indirectly in-directly by invasion, insurrection, riot, civil war or commotion, or military or usurped power, or by order of any eivll authority; or volcanlo eruptions; or by theft; or by neglect of the insured to use all reasonable means to save and preserve the property at and after a fire, or when property Is endangered by fire in neighboring premises; or (unless fire ensues, and. in that event, for the damage by Are only) by explosion of any kind, or lightning; but liability for direct di-rect damage by lightning may be assumed as-sumed by speclflo agreement hereon. "Clause No. 4. This society shall not be liable for loss caused directly or indirectly in-directly by invasion. Insurrection, riot, civil war or commotion, or military or usurped powsr, or by order of any civil authority; or for loss or damage occasioned occa-sioned by or through any rolcano, earthquake earth-quake or hurricane, or other eruption, convulsion or disturbance; or by theft, or by neglect of the insured to use all reasonable means to save and preserve the property at and after a fire, or when the property is endangered by a fire in neighboring premises: or (unless lire en-Sues, en-Sues, and. in that event, for the damage dam-age by fire only) by explosion of any London ana Laneasnirs,- tnaon Assurance, Assur-ance, Michigan Fire and Marine, National, Na-tional, of Hartford; National Union,-ot Pittsburg; Niagara Firs, of New Tork; North British and Mercantile, North River Insurance company, of New Tork; Phoenix of Brooklyn; Philadelphia Underwriters', Un-derwriters', .Phoenix, of London-; Providence-Washington, Queen City Fire Insurance In-surance company. Queen, of New York; Royal Exchange Corporation. Royal Insurance In-surance company, Scottish Union and National, Na-tional, Security Insurance company, of New Haven; Springfield Fire and Marine, Sun Insurance company, Svea Insurance company. Traders of Chicago; United Fireman's, of Philadelphia; Western Assurance, As-surance, of Toronto. No. 7 Alliance Insurance company, of London; Commercial Union, of London; Commercial Union, of New Tork; Palatine Pala-tine Insurance company, of London; Rhine and Moselle. ' No. 8 German-American, of New York; New Hampshire Fire Insurance company. Phoenix, of Hartford. ' Expert Insurance - men, after studying the several clauses set forth, state that the first six are unquestionably liable at San Francisco. Some persons doubt If an effort will be made to protect even companies com-panies baving causes 7 and 8 in their policies from tbe Sau Francisco conditions. condi-tions. If there is -any litigation over tbe point. It is confidently predicted that it will be confined absolutely to clauses 7 and t, as Best's Reports forecast. |