Evening Republican, Volume 17, Number 227, Rensselaer, Jasper County, 23 September 1913 — Some Things That Might Invalidate Your Insurance. [ARTICLE]

Some Things That Might Invalidate Your Insurance.

William B. Ellison, a specialist On insurance law, in a recent address on the subject, called the attention of policy holders to the fact that unless expressely stipulated otherwise, the acts of omissions mentioned herewith render your policy void: ■___ If you have concealed, misrepresented or merely forgotten to mention any material fact or circumstances regarding the property insured. If you do not rtate your interest in the property truthfully and fully. If you are guilty of any fraud or false swearing necessarily deliberate) in any matter relating to the insurance. If you insure a manufacturing establishment and operate any part of it at night later than 10 o’clock or cease to operate it for more than ten consecutive days. If you procure any other insurance. If the hazard is increased by any means within your knowledge or control (a broad provision). ' If you employ mechanicians in altering or repairing the premises for more than 15 days at a time. If your interest in the property is anything less than unconditional and sole ownership. If you encumber personal property with a chattel mortgage (which includes bill of sale for deferred payments). If you insure a building on property not owned by you. If foreclosure proceedings are started against your property, or a mortgage or a trust deed results in a sale. If any change other death takes place in the interest, title or possession of the property insured (except change of occupants without increase of hazard). If you assign the property before a loss. If you generate illuminating gas or vapor in the building dr adjacent thereto. If yu have gasoline, gunpowder or any explosives except kerosene. If the building remains unoccupied ten days. It is the likeliest of things that your insurance policy does not take note of any violation of these sixteen provisions. To make your policy holeproof the insurance company must either agree to an exception in your case in writing ot with full knowledge waive it.