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Show UD ASTOUNDING STORY OF ARSON. Another stor on "The Dusiness of Arson" appears in this week's issue of Collier'?, and the disclosures made are startling. Occasionally Ogden has a lire of incendiarv origin, and Hf that is to be expected In every community, com-munity, but Collier's is authority for the statement that In New York City , 50 per cent of the fires are "crooked" and a battalion fire chiefs place the . , percentage in certain mercantile dls- 3 jj tricts at 8o to 95 per rent. : How these fires are started Is de- jj scribed. Iu June. 1912, Fire Captain I Y-l ; FKmlng of Alban had to fight his l NV3' 0111 "r ft great barracks of a j , building which had been fairly fes- j tooned With bladders of gasoline, I'l ; there w ere forty -fl ye in all A few I 1 weeks before that Captain Koehler j f f and his company of New York were i j dragged out and sent to the hospital from a tenement cellar that had been j almost is thoroughly "planted " About the same time Rattalion Chief Helm Iff V f NeW York and a group of plpemen i Ilmjied to the fire-escape window of tho clothing loft of a manufacturer oi Mercer street and found themselvet looking at twelve great suit boxes swimming with one of the regular mixtures. as thev are known, all greenishly aflicker Why did ihey not go off and kill every man where he stood" Sometimes thev do Nine- j ty-nlne times in the huTvirc-d, how-eer, how-eer, thev go off long before the fireman fire-man is out of quarters Only when the incendiarv blunder? is there legal evidence in what the fireman calls the "flash," the ''blow-out," or "explosion "ex-plosion fire ' In the other ninetv-nine cases there Is only the explosion itself And the up-to-date arranger of fires can so blend his mixture that though i ?asollno itself, when raporlfced, has about kh-ii times the explosive power pow-er of gunpowder--thete need be no mow than a great muffled puff. Prominent Insurance men are quoted The really honest claimant for insurance Indemnitj now fot m6 but a bare majority the president of the German -American of Indiana. "And he adds, of European Insurance Insur-ance authorities they know as well as we the cause of our appalling lire 10S9' Moral hazard Is (he main 'thing in fire insurance." ssvs Francis H. Ross oi the Buffalo li'eruian aud !the Standard Fire of Trenton. Mor. ial hazard is the all-important factor,' ays a Toronto company In its "con- (identlal Instructions to agents "Eliminate moral hazard,' says fe New York geneinl agent, and our rates would drop to 26 per rent of what tbey are at present " losses through the instigation of the devil treble those arriving from the act of God," says ,T. Campbell Havwood. a New York Insurance adjuster E. P Heaton, the insurance manager of the Canadian Manufacturers' association, puts it in this wa "Abolish oil fire : Insuranco and our Canadian fire losses loss-es would fall to 25 per cent 1 That is an appalling Indictment of the insured OT eourco it does not mean that a ver large percentage of the Insured cannot he trusted, hui prores that the business of arson, as followed bv gangs of incendiaries, is working a destruction of property totaling to-taling hundreds of millions of dollars, dol-lars, for which tho great majority made up of honest men whose business busi-ness properties and homes are Insured In-sured must paw |