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Sama di 22 WINNETKA WEEKLY TALK, SATURDAY, MARCH 28, 1925 NEWS OF INTEREST IN REAL ESTATE AND "BUILDING FIELDS Your Insurance Edited By F. J. Budinger TORNADO INSURANCE As the term implies, Tornado in- surance is a form of coverage where- by the assured is indemnified for loss to property damaged as a result of a tornado, or windstorms of lesser in- tensity. It is not necessary that the tornado be of man-killing proportions before you can collect on your tornado policy. Any damage done as the result of wind constitutes property destruc- tion covered by a Tornado insurance policy. For instance, a chimney may be blown down or branches from trees may cause property damage all of which is covered. Additional Benefits An endorsement can be attached to a Tornado policy whereby for a small additional cost, the assured will be protected for damage done to proper- ty as a result of RAIN and also as a result of HAIL. Hail insurance is one of the most popular forms of insurance written in rural districts where hail storms seem to be more severe and where crops are exposed. It is how- ever a very practical form of coverage to be carried in the city principally when one considers that the cost of replacing one window which might be destroyed by hail would more than pay for the amount of hail insurance which the average home owner would have occasion to carry. Dangerous Territories Any territory can be considered dan- gerously exposed to windstorms and tornadoes. It used to be commonly accepted that torna- does did not strike in thickly settled communities nor near large bodies of water. These theories have lost most of their adherents because of the fact that storms have recently wrought very serious damage in the supposed to be immune territories. The Lorain, Ohio, disaster should convince anyone that a tornado is very apt to strike near a large body of water, in- asmuch as Lorain is on Lake Erie. The Wilmette scare five years ago is an- other instance. As for high winds in thickly settled communities, we are re- minded that wind velocities of 60 miles hi) our and over hav been recorded 2 es in New York City from 1884 ) When to Look for a Tornado %~her forecasters generally agree it is practically impossible to pre- a tornado due to the fact that they result from localized energy of the elements. General peculiar con- ditions are as a rule however apparent before a tornado strikes. In the first place they occur most frequently in the months from March to September although no month is certain to be free from them. Although they may strike at any hour of the day; most of the serious storms have occurred in mid-afternoon. Close observance has revealed this: The air in the morning is hot and humid, with marked low- ering of the barometer. The wind ap- pears to orginate in the southwest, at first as fitful breezes, dying into a calm as clouds gather. With the gradual darkening of the skies the rain gen- erally begins, and sheet-lightning flashes in the southwest. Semi-dark- ness falls. The air feels heavy but restless and the thunder grows heavier. About this time you wonder about Tornado Insurance. Why didn't you take that policy that Bill urged you to take, or have you got enough?-- Then the southwest sky looks green from the dense rain clouds. Forks of lightning are zigzagging and flashing savagely. Below them, seemingly al- most within reach, the whirling cop- per-colored funnel comes racing for- ward and downward. The rain comes down in sheets. Huge hail stones fall. Telephone poles snap in the wind as MARMON MARMON NORTH SHORE SALES and SERVICE 1008 Davis St. Greenleaf 1038 Open Every Evening until 9:30 though they were straws. Houses 'eap from their foundations and crum- ole like bits of paper. Immense trees are wrenched from their roots and car- ried through the air like flimsy ar- rows. Everything near the funnel, ind near in this case often means as far away as a mile, is picked up tossed about in the fury of the wind and then dashed to the ground. Weather experts report that the whole storm moves bodily from the southwest to the northeast at a rate of about 60 miles an hour. Instances are recorded where fast automobiles have out-raced a tornado. Can't Avoid Destruction The speed and uncertainty of a tor- nado makes it impossible to avoid its destruction to property. It is inter- esting to note here that destruc- 'jon from the elements is one of the very few forms of destruction which cannot be avoided or even checked. By excercising precaution we can avoid many accidents, when a fire occurs we can in most cases put it out, when we get sick we can take health-giving remedies etc. but when the elements strike we are ab- solutely at their mercy. Still some people do not carry Tornado insur- ance. What To Do? The first thing to do, and do this be- fore you can see the tornado coming, is to insure your property and your fe. But if you see a tornado coming, seek some gully, a hole in the ground or lie down on the northeast side of some shelter. If you seek refuge in a cellar crouch low in the southeast cor- ner. In a cellar there is danger of being buried, unless of course the cel- lar is a regular cyclone cave. Better take the chance of escaping injury by lying flat upon the ground out-doors. A tornado will strike about three min- utes after you see the funnel shaped cloud. Never run, if you can't do any- thing else, just fall flat upon the ground. Costs of Tornado Insurance Since the tornado that struck Wil- mette on March 28, 1920, the rate for ordinary dwellings in this village has heen 16 cents per $100 of value to be insured. This is the tornado season. At 16 cents per $100 it doesn't pay to be without it. Automobile Tornado Insurance We have been asked whether there was such a thing as Automobile tor- nado insurance. Yes, there is, and the rate is 15 cents per $100 of value. The benefits are practically the same as in a dwelling policy. Co-Insurance Law Next Week Next week we will explain and dis- cuss what is known as the "Contribu- tion Clause" in fire insurance policies. This has probably caused more dis- cussion and inquiry than any other phase of commercial insurance--and there is less known about it. It is ex- tremely important that every business man understands this and we will strive to make the subject very clear in our colum next week. Secretary Hughes Buys Co-op Apartment Home Charles E. Hughes, retiring Secre- tary of State, is the newest convert to the modern idea of living in your own home and at the same time liv- ing in a modern apartment. A news dispatch from New York states that in preparation for his return to priv- ate law and the practice of law he has purchased an apartment of 14 rooms and five baths, an entire floor, in a new co-operative apartment build- ing under construction at 5th avenue and 83rd street. WALES DEDICATES NEW BRITISH REALTY HOME With a ceremonial opening presided over by His Royal Highness the Prince of Wales, the Auctioneers' and Estate Agents' Institute of Great Britian has established itself in permanent head- quarters, in historic Lincoln Inn Fields, built to center the real estate professional activities of the United Kingdom. The National Association of Real Estate boards, representing 516 real estate boards of the United States and Canada, has sent its congratulations upon the completion of the British organization's new home. His Royal Highness, in his speech dedicating the building, called atten- tion to the fact that the number of owners of property, great and small, in Great Britian has multiplied enorm- ously of late years. Real estate is now a very popular form of invest- ment. The problems arising from its transfer have become varied and in- tricate. It has therefore become a matter of public concern that trans- actions in regard to land and houses should be in the hands of men with a high standard of training. He commended the Institute's plan to place the professional training of men entering the real estate profes- sion in Great Britian on a permanent public footing. A College of Estates Management, to effect this, was opened in April of 1923. Louisiana Law Hits Unscrupulous Dealer Text of the decision just handed down by the Supreme Court of Louisi- «na upholding the constitutionality of the Louisiana real estate license law confirms unconditionally the right of the state to protest the public from irresponsible or unscrupulous dealers through the enactment of such a law. The court has handed down decisions Safety and Service EHIND the service of Smart and Golee, Inc. are reputation, large finan- cial resources, sound busi- ness principles, and an exec- utive personnel that has earned the confidence of its customers. Bonds and mortgages sold by this firm are secured by the best Evanston apartment buildings. The return of 6 to 67% per cent is certain. Ask for Our Securities List. MOLE! 1580 Sherman Avenue, EVANSTON University 285Rogers Park 0272 Fixtures to suit vou and the house you live in. --Myr. Electro-serve. HIS 'is fixture shop where you will be accorded expert satisfaction. We will in- stall them for you and wire the house if it is in need of such electrical connection. You need to know us electrically. the electrical in two recent cases sustaining the license law. March Displays Brisk Activity in Transfers Geor~e C. Kroll, of the real estate firm of Heinsen and Kroll, 421 Fourth street, reports March business as un- usually brisk around the "I" terminal district. Heinsen and Kroll acted as agents in the sale of the Mason home at 1030 sreenwood avenue, Wilmette, to Fred A. Fischer. Among other transactions reported y Mr. Kroll were the H. M. Pettit residence at 303 Greenleaf avenue, Wil- mette, to Robert Zimmerman, and the sale of the east lawn of the old Cole FOR RENT HUBBARD WOODS East Side New Brick Home 3 bedrooms, 2 baths $150.00 HILL & WHEELER, Inc. REALTORS "Homes for Pasticular People" WILMETTE OFFICE 334 Linden Avenue Tel. Wilmette 93 WINNETKA OFFICE 736 Elm Street Tel. Winnetka 142 homestead to the Dyer sisters, wha plan to build a beautiful brick res- 'dence on -that site. The bricks you see--the rent ex- pense The mortar--it is common sense. OU can buy a home of us. Our terms are not only easy to understand, but their practica- bility have been thoroughly dem- onstrated. GLENCOE REALTY COMPANY 665 Vernon Avenue Glencoe, Ill. Phone Glencoe 1158 Ld In the event of a loss we can be vou are our neighbor we know as you should be represented. Phone Wil. 1750 Wilmette, Illinois LL LL LEE XL LLL LLL LL] PETTITTE ELLE LLL "Place your insurance with a local agency" are a Wilmette business in Wilmette to serve Wilmette. CLORE, BUDINGER & SMITH "Let us solve your insurance problems" do of of oe ole of of of ob ole oe oF ob oe ole ode oboe ol oko lok Bool oR RR RRR RR RoR RR RR kd Er on the ground immediately. We Because you better and can represent you Be certain of your insurance. 1177 Wilmette Ave. Opposite Village Hall LIAL IIIT IEEE ELE EEL) PEE FET EEE LE ELE LLL LLL Phone, Univ. 5035, Black Dirt FERTILIZER LIME CRUSHED STONE FOR DRIVEWAYS Edinger & Sons Evanston-Wilmette-Kenilworth-Winnetka-Glencoe Wil. 642, Winn. 643 Nursery. City Office, 30 N. La N-2Z>»r-v mMAOUMI -mg= xv ARGAINS BUY NOW Trees, Shrubs, Fruits and Vines The Land of the Peterson Nursery has been Sold, and but a Time to Sell Off the Stock. THIS IS YOUR OPPORTUNITY. CASH and CARRY Big reduction to those who come to our nursery and get the stock. For Freshly dug, roots not dried out. Nursery at we LINCOLN AVE. AND PETERSON ROAD. Go South on Ridge Ave, TEE. Evanston, to north line of Rosehill Cemetery, ; then west two miles to Phone cr wate. Svringa PETERSON NURSERY Salle Street, Chicago EVANSTON, UNIVERSITY 1434 PLANT NOW to do their own planting PLANT AND GUARAN- we have but a Short those who do not care will DELIVER, Telephone Main 3613 nN-2Zp>r-v mOUMIT mg xv ~d