Show carelessness cause of great fire loss cupidity also enters enter into waste new york jf if m carelessness careless omnie and ad the moral or ba hazard d could d be eliminated bieu fieu I 1 losses we would d b be r reduced 75 per mail coat that 1 la instead of 0 a yearly or fire loss ill in the united U r I 1 te aued r tates states t of 00 it would be a only r a y the other three fourths la Is by insurance records elds itald squarely at the test feet of man mans m care aid lessne came fis and his on oni moral I b hazard bard ard a term alch include 8 arson and other arion crion last inal attempt a to profit illegally frone we insurance insurance ca meades attempt to check fire losses at their source they not at only try to said avoid issuing a policy to in a man who has several fires against gad st hla his credit but they alto also offer more favorable rates where often effort be has bes been made ad to reduce the fire risk by the timi of holdings buildings and the BIK segregation gation of hazards A far more mom difficult situation fir presents onto itself in trying to avoid issuing permits to on no daid de hirable ble people most moat insurance reen corn consider themselves a public institution abose less and ties must be offered to all it might seem to be SO ao easy prean tion tor for them to t keep a list of a people iab mith incendiary or uttered otherwise a dean cu ua reputations suit and cut refuse to issue policies to them the fact la Is that the keeping h pong of such a list is directly no coa asti to law are am elusive without it I 1 it Is hard to keep truck track of at arson a experts pert they bob up in one a a III town get a 1 policy and 1 ill have a im fire next mn heard of them they have r repeat s post ed ad the per performance forman in ID a tow town mile way away and departed for far a ll 11 third bird distant town to besin all over again to cope with this problem the ef at forts ot of individual insurance corn are s supplemented by the no na timed dional bom board r d of fire fin underwriters ah which eh maintains arson anon quads in dif ferent parts part of the country f in n the 8 same m milliner himmer as a state bbate police are atai to finned of at various strategic centers the scope of their work includes the investigation not only of fires started j tor for the file purpose of cl alisa collecting isa the isu in 1 sureties rance but also those them started by maniacs with without rort any desire for far profit A demented child may set fire to a school schoel building because he hates bates to go to school chool fi wanta want to see the tire ore en n glass arrive or simply deserea the thrill of watching a am occasionally a discharged emP employee loYes sets fire to the facto factory of his employer tor for revenge sometimes a b building I 1 Is burned t to rime conceal 1 a crime these aspects aspect of th the situation tali fall within the scope of 0 the anon squad get usi last dily dally every noo morning bil official of ficiala of large in rance companies ge get I 1 1 a list I of th the fires neach occurred shruti throughout b the country on it the a previous day it tells tell them the place where such on oc currod the name and business of the own owner or occupant of the property the reuse cause of the fire it if 10 and the amount of a the loss insurance company com pony dickals 0 analyze thus these flat and when they see an unusual number or of fires occurring in any one industry they ke bearch ach for or a muse cause for example abear a year or two turn a ago there we was I a heavy run an of if fires as in the boot and shoo shoe IS in dust austry r y in certain eastern metropolitan areas area s vast often developed de loped eloped the tact fact chati that there wan suite or of n alrh priced stock on mi band it when she 0 the burl bottom re dropped out of the ke and that many of the tha fins fines were of incendiary ince malary origin records flamed show how that ac incendiary alcy urea firm occur most frequently in what emmr I 1 sam ance people vall call the general mer ch din classification this includes he smaller merchandise he bouses and ad the fl fla by night eight manufacturers manufacturer who set up their establishments establish menta in out of the way corners comer on the upper floora floor of large urge buildings building insurance inspectors inspector keep keel an eye out always aleays for far ai sumal no tlona of goods good which the owner or find landa I 1 it Is bard rd to in dispose of last summer bummer i for eim example eople women took mie to weart nir bellr oil instead of bummer so er anra for sc several I fire alrea I 1 la fur for b borisek mccurr occurred in rapid I 1 in such each mom I 1 insurance companies pea P I 1 while the they c cannot I 1 hr prevent event these then fires brea can discourage repetition by withhold lag hig payment of I 1 sod ad names cam uia the arrest of the th |