The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

ZbWILMETTE LIFE Otbr&13 Fire -Prevention Week SuggssHOw Fireé Insurance Rates Are Figur ied tayFactors Enter Into Rate Dtermination If there is a skeleton 'in your closet, don't be fooled; it's no secret. Tbe Chicago Board of Underwriters knows aIl about it, even to the number of ribs missing andthe amount of dust in the cranial cavity, Figuratively speaking, the board mentioned is that familiar with every building in Cook county. In its offices in the' Insurance Exchange building are accurate sketches of every-dwell- ing, mercantile building and industrial plant in the entire county, and in most cases there is a detailed report filed away for eacb sketch. Thus, wben kt happens that a -dissat- isfied customer squawks about bis fie insurance rate, the board comes for- ward with a mass of facts, figures, and statistics. The customer learns more about bis property in ten minutes of intensive study than he had previ- ously suspected in years of ownership. Few IleaticalRat«s Aside from dwel lings, there are probably no two buildings in the county with identical rates o insur- ance. If so it i8 by the merest acci- dent. These individual rates are based on analytical reports by'the Board of Underwriters. .How, then, does the board know so much? It sends trained engineers out to inspect eacb risk and grade it according to a definite percentage scbedule. These inspectors use- what is known as the analytic system, said té be the most scientific and accurate method in existence. For instance, a man owns a mercan- tile b uilding in Wilmette and he wants insurance against. fire losses. He applies to an* agency, and the agency appeals.to the Chicago Board of Underwriters if they baven't al- ready published a rate on the build - ing. The Departnient'of Inspectio takes the case and looks up the build- ing, detailing an inspector tothe lts],k wbo proceeds to the building in ques-t tion. How Rate& Are Determined "Hmmm 1 Lessee; this is a brick building . . . one story . . . Wil- mette in fiftb dlass protection- (The inspector turns the pages of bis schedule book)... That makes basis rate of 27.7 cents." Now, if every other condition were perfect, the inspector's work* would be finisbed. The owner would pay 27.7 cents per one bundred dollars of insurance ànd there would be no argu- ment.* But alas, there is'no sucli thing as a perfect ire risk this side of the north pole, so the inspector must pro- ceed witb bis analysis, taki.ng a theu- sand and one features into con.sidera- tion. For instance, he conaiders tiret the construretion. Thon ho considers tho iaterlal, height, area, walls,- roof, ceil- ings, akyligbte. mors, partitions, chim- neya, tttachmenrts, and general condi- tions. For..each Item, he checks a per cent grade, and when he han. Onished with the conistruction he adds up hie fig- ures. The total for structural deficion- clos is 37 per cent. Ooeupaney la ConsId.r.fl Next ho considera the oceupancy of the building. lie find& It là dlvided into Oye stores: a cleaning and shoe repair- Ing shop, a barber sghop, a* dross shep, a grocory store, and a moat *market. Ba.ch In graded according te a schedulo which gives the relative liability te lire ot each clams ot occupant. The tact that Aye stçres are In one building, with ne Inter- voning Ore walle muet be considered. The danger etfiOre in multiplied, and there te a percentage charge for that. Total occupancy charges - 75 per cent. The total for structural doficioncies and 'ceupancY chargées It112 per cent.,.'-wow SU Pper -nt <.f 21É.-4 'ent>s the bssrat..> ,la 31 cents giving a rate of 58.7 cents per $1000of tInsurance.' *. But that la flot ail,'1The InÈpector con- aiders the external exposure. On two. aides ofthte building there are streets. Fine. On another side la an adJoining building, wlth a lire wall in between. tThat la ail right. In the rear there la a e long, low trame building, a public stor- age garage, stable, blacksmith shop, and tire retreading shop-all under one roof. s "Terrible," reniarks the inspector, as eho measures the distance between the buildings, examines the windows, ob- serves the parapet, and figures eut a doz- e n other factors that might tend te rsproad or check a tire in the trame build- ing. Finally, he notes, "Exposure from trame building In roar, 25 cents." Now thoerate amnounts to 83.7 cents, and the survey is flot completed. Protection Devices *The Inspector enters the building and looks ln vain for some equipment for ln- *aide protection.. He searches for Inside automatic sprinklers, and any other protective feature. For each one of these he would give a credit, a percent- age of the oceupied building rate. But there Io none of theme, go ne credit la ai- lowed, On the othe:- hand, bu finds reason for sevorai ef the so-caiied "after charges," which invariabiy make the ownor fiy Into a rage. For Instance, he makes a fiat charge ot il cents for trash, raga and filth of varlous kinda. A gas-hoated pressing Iron with a ruhber tube connec- tien usèd on a table among rags and trash et ail kinds causes a (barge of il cents. The.electrie wires are ln an un- safo condition. That's 6 cents. Broken plaster on à wall-2 cents. That appears to be lIl. * The total la $1.137 cents from a standing ot $0.277. Note: (The above illustration of the mnanne r ln whicb tire rates are premul- gated was prepared by the agoncy of Hill and Stone* The buildings and rates taken ln the illustration wero merely as- Sumed te aid ln the Illustration, and are flot to be confused with any existing building or rates ln Wilmetto. It can bo easily seen from the above Illustration that by improving ene's premises, one flot only gains through a lower fire rate. but aiso assists in the reduction of the fire hazard.)- CENTRA L-LA UREL P. T. A* At the opening meeting of the Cen- tral-Laurel Parent-Teacher associa- tion to be held Tuesday evening, October 16, Dr. William Montgomery McGovern, associate professor of political science at Nortbwestern uni- versity, will be the speaker. He will talk on the far east. The, North Shore Lyric ensemble &ill present a group of songs by famous composers, accompaniied by Mfrs. Electa Austin Gamron.. A series of lectures by Dr. Wil-. iam S. Sadler, eminent child psy- chologist, will be given atthe Wil- nette Woman's club under the aus- pices of the Central-Laurel 1'; T. A. he. second Tuesday of each month for four. consecutive, months begin- ning November 13 at 10 o'clock ini the morning. ýMrs. George W. Put- nam, ways and means chairman, and Mrs. R. A. Marmaduke, child study ffairman, are in char ge of arrange- ments. Tickets for the series can be Dbtained by communicating with Ballroom and social dancing classes or boys and girls under1 the direction )f Mrs. Theron M. Woolson will be- in Friday, October 12, in Stolp £,sembly hall. A large attendance santicipated. Plans for the Har- rest Moon frolic are already in pro- rress. Be sure to, attend opening Iass. Miss Alice Stade's classes in ballet Lnd ta.p, also "tiny tots class"ý-3/2 to fg I g CI IP. Te A. SPEAKE Dr. William Mont gomery Me- Govern, associate p ro f es s or of polit ical science ai Northwmestern university, wrill address the opeuing meeting of t/e Cenitral-Laurel Par- est-Teacher ôssociatiokt Tuesdai, evening, October 16. He ivill lecture on the Far- East. Dr. McGovern i s a lecturer of the Royal Asiatic society and a distin- guished Orientalist. He is the author of several well known books includ- ing, "To Thasa in Disguise" and "Jungle Patbs and Inca Twins." MOTOR TO MICHIGAN Mrs. Burt Crowe, 234 Raleigh road, Eenilwortb, accompanied by ber daugbter, Mrs. Laurence Knott and bhe latter's two children, Susanne and Lawrence, Jr., left yesterday by notor for Michigan to, spend several lays, visiting Mrs. Crowe's parents,. Mr. and Mrs. W. H. Pier of Flint, and Mr. Crowe's motber, Mrs. W. Lee Crowe of Owosso, Mich. RETURN FROM WEST Mrs. Frank R. Adams, John, and ralerie, of 925 Greenwood avenue, recently returned froman interesting riotor tour in the west. They. cov- cred 11,500 miles, spending six weeks. in California. Tbey also visited the Grand Canyon, Zion National park, nd Yosemite, and Yellowstone parks. CharlesDriver and bis daughter, harlene, 423 Abbotsford road, Ken- lworth, returned on Monday of'last veek fromn Los Angeles. Mrs. Driver 'ilI return later. Beatrice bas en- ýred Leland Stanford university. Mrs. Roy Osgoodp 423 Essex road, enilwortb, wbo bas- been at ber amnmer home in Lincoînville, Maine, ince early in June, is returnIng to he, north shore October 15. tl ai ri ai rc il Gi wi te 6 years-whic h opened> October 1, were very well attended. The chair- man and ber committee Will be on handnext Monday to take your reg- istrations. These classes are beld in the Central school building. Don't forget, mother and dad, oui opening meeting Tuesday evening, October 16, at Stolp scbool. It's a date! "'You and Your ýCIild" Topic of j New Con ference AStudy ani practical kind, of Cbild- Suyconference is scheduled Octo- ber 8 to, October 20 on the ninth floor of the store of Carson Pirie Scott 7and company. Many north shore personalities will appear on the programn. T'he Chicago Association for Guild Study, in cooperation with Carson Pirie Scott and company, bas plan- ned an original and attractive pro- f ram on the subject of "training for more successful living." The conference begins Monday morning. October 8, at Il o'clock and con- tinues for two weeks. The sessions will be beld in the assembly room on the nintb floor and are open to the public. Admission will be free. Conference Stirs Interest Many groups of people already are stating. they are interested in this conference because the subjects to be discussed concern women as housekeepers, as buyers of food and clotbing, as well as companions and counselors of youtb. Designed to embrace ail the every- day activities and interests of the family, the conference offers lectures by experts and leaders in each field. and their subjects are considered of vital concern to home-makers. Some of the practical subjects tc be discussed are: Here Are Soins Tàpies "Food Fads and Fallacies in Feed- ing. Cbildren,". "Nutrition of the Family on a Low Cost Food Bud- get," "The Family Clothing Budget -With- Particular Consideration of the Problems of the Adolescent," "Clothes for Adolescent 'ýGirls," "Play Materials for Older Children," 'What Is the Adolescent T-hini- ing About ?"' "When Fashions, Become a Hobby" and "AnimaIs-;, Boy's Hobby."' Each morning there will be a ss sion at Il o'clock. Then there wil], be a luncheon meeting and lecture. and an afternoon session at 2 o'clock. North Shore*Women to Preside, The personalities of this confer-- ence program are as distinguished as those of ail previous Child -Study toinferences formerly held each ycar in March at the Palmer House. Mtany north shore women wilI pre- ide and speak, at the meetings. Mrs. Alfred S. Alscbulér, director of nursery schools, will be chairman of the first day. Mrs. Benjamin 4angworthy, national president of lhe P. T. A., will preside at a lunc4i- con meeting at which Mrs. Davis NIcCarn of Winnetka will be the ;peaker. Mrs. McCarn bas been in ereat demand as a speaker alI over Zhicago. Her schedule for the year S 0 full that the committee is very lad .to offer the north shore comn- îunity this OPPOrtunity to hear ber. Wrs. Walter Fisher of Winnnetka Lnd Miss Edna Dean Baker, presi- lent of thé National Collége of Edu- Ition, will- also préside at meetings )f the . conference. Mrs.. Myron [arshaw of Winnetka, formerly on . e staff of the public schools, and Ltlor' of the Junior Bco6k-of-the- 4ontb, bas been Actively concerned 'itb the plans of the conférence. )he is now educational advisor at, arson Pile Scott and company. 1 mm*. *bout L.aùrs Next 'weelc's article will discuss ýther leading personalities on the rogram, who are coming from .ail «er the country. Among them art r. Mary Davis of Washington, Dr. Earry Overstreet of New'York, Prof. bhn E. Ande-rsoneof Mnnsoa--of E p i October 4. 1934