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  1 This company shall not be liable beyond the actual cash value of the property at the time any loss or damage occurs, and the loss or damage shall be ascertained or estimated according to such actual cash value, with proper deduction for I
‘ 2 depreciation however caused, and shall in no event exceed what it would then cost the insured to repair or replace the same with material of like kind and quality ; said ascertainment or estimate shall be made by the insured and this company, or, if 2
g 3 they diifer, then by appraisers, as hereinafter provided ; and, the amount of loss or damage having been thus determined, the sum for which this company is liable pursuant to this policy shall be payable sixty days after due notice, ascertainment, 3
  4 estimate, and satisfactory proof of the loss have been received by this company in accordance with the terms of this policy. It shall be optional, however, with this company to take all, or any part, of the articles at such ascertained or apprassed value, 4
  5 and also to repairhrebuild, or replace the property lost or damaged with other of like kind and quality within a reasonable time on giving notice, within thirty days after the receipt of the proof herein required, of its intention so to do ; but there can 5
It f 6 be no abandonment to this company of the property described. 6
A 7 This entire policy shall be void if the insured has concealed or misrepresented, in writing or otherwise, any material If property covered by this policy is so endangered by fire as to require removal to a place of safety, and is so removed, 60
. X 8 fact or circumstance concerning this insurance or the subject thereof ; or if the interest of the insured in the property be not that part of this policy in excess of its proportion of any loss and of the value of property rernainingin theorigmal location, shall, 61
‘ 9 truly stated herein ; or in case of any fraud or false swearing by the insured touching any matter relating to this insurance or for the ensuing hve days only, cover the property so removed in the new location ; if removed to more than one location, such 62 · .
, 10 the subject thereof, whether before or after a loss. excess of this policy shall cover therein for such iive days in the proportion that the value in any one such new location bears 63 `
‘ 11 This entire policy, unless otherwise provided by agreement indorsed hereon or added hereto, shall be void if the in- l to the value in all such new locations ; but this company shall not, in any case of removal, whether to one or more locations, be 64
i t 12 sured now has or shall hereafter make or procure any other contract of insurance, whether valid or not, on property covered liable beyond the proportion that the amount hereby insured shall bear to the total insurance on the whole property at the time 65
; 13 in whole or in part by this policy ; or if the subject of insurance be a manufacturing establishment and it be operated in whole 5 of fire, whether the same cover in new location or not. 66
  14 or in part at night later than ten o’clock, or if it cease to be operated for more than ten consecutive days; or if the hazard be If fire occur the insured shall give immediate notice of any loss thereby in writing to this company, protect the property 67 ~
  15 increased by any means within the control or knowledge of the insured ; or if mechanics be employed in building, altering,or from further damage, forthwith separate the damaged and undamaged personal property, put it in the best possible order, 68
  16 repairing the within described premises for more than fifteen days at any one time ; or if the interest of the insured be other make a complete inventory of the same, stating the quantity and cost of each article a11d the amount claimed thereon ; and, 69 p
il 17 than unconditional and sole ownership ; or if the subject of the insurance be a building on ground not owned by the insured in within sixty days after the fire, unless such time is extended in writing by this company, shall render a statement to this com- 70 ’ ` ‘
  18 fee-simple ; or if the subject of insurance be personal property and be or become incumbered by a chattel mortgage ; or if, with pany, signed and sworn to by said insured, stating the knowledge and belief of the insured as to the time and origin of the iire; 71 2
  19 the knowledge of the insured, foreclosure proceedings be commenced or notice given of sale of any property covered by this the interest of the insured and of all others in the property ; the cash value of each item thereof and the amount of loss thereon ; 72 ‘
  20 policy by virtue of any mortgage or trust deed ; or if any change, other than by the death of an insured, take place in the in- all incumbrances thereon ;allother insurance, whether valid or not, covering any of said property; and a copy of all the descrip- 73
T 21 terest, title,or possession of the subject of insurance (except change of occupants without increase of hazard) whether by legal tions and schedules in all policies ; any changes in the title, use, occupation, location, possession, or exposures of said property 74
` 22 process or judgment or by voluntary act of the insured, or otherwise ; or if this policy be assigned before a loss ; or if illuminating since the issuing or this policy ;by whom and for what purpose any building herein described and the several parts thereof were 75  
. ~ 23 gas or vapor be generated in the described building (or adjacent thereto) for use therein ; or if (any usage or custom of trade or ~ occupied at the time of ire ; and shall furnish, if required, verified plans and specifications of any building, fixtures, or 76 `
_’ , 24 manufacture tothe contrary notwithstanding) there be kept, used, or allowed on the above des<:ribed premises, benzine. benzole, machinery destroyed or damaged ; and shall also, if required, furnish a certificate of the magistrate or notary public (not inter- 77 Q
A `'‘’, A   25 dynamite, ether, fireworks, gasoline, Greek fire,g·unpowderexceeding twenty-hve poundsin quantity, naphtha, nitro-glycerine ested in the claim as a creditor or otherwise, nor related to the insured) living nearest the place of iire, stating that he has 78   .
A   26 or other explosives, phosphorus,or petroleum or any of its products of greater iniiammability than kerosene oil of the United 4 examined the circumstances and believes the insured has honestly sustained loss to the amount that such magistrate or notary 79  
  27 States standard, (which lastmay be used forlights and kept for sale according to law but in quantities not exceeding five barrels, public shall certify. 80 ;
, 28 provided it be drawn and lamps filled by daylight or at a distance not less than ten feet from artificial light) ; or if a building The insured, as often as required, shall exhibit to any person designated by this company all that remains of any property 81  
  29 herein described, whether intended for occupancy by owner or tenant, be or become vacant or unoccupied and so remain for herein described, and submit to examinations under oath by any person named by thiscompany, and subscribe the same ; and, 82 Q
  30 ten days. as often as required, shall produce for examination all books of account, bills,invoices, and other vouchers, or certified copies 83 `
, 31 This company shall not be liable for loss caused directly or indirectly by invasion, insurrection, riot, civil war or commo- thereof if original be lost, at such reasonable place as may be designated by this company or its representative, and shall 84 i
j 32 tion, or military or usurped power, or by order of any civil authority ; or by theft ; or by neglect of the insured to use all rea- permit extracts and copies thereof to be made. 85 ‘
33 sonable means to save and preserve the property at and after a tire or when the property is endangered by {ire in neighboring In the event of disagreement as to the amount of loss the same shall, as above provided, be ascertained by two competent 86 ¢
  34 premises ; or (unless nre ensues, and, in that event, for the damage by hre only) by explosion of any kind, or lightning ; but and disinterested appraisers, the insured and this companyeach selecting one, and the two so chosen shall first selectacompetent 87 g
  35 liability for direct damage by lightning may be assumed by specific agreement hereon. and disinterested umpire ; the appraisers together shall then estimate and appraise the loss, stating separately sound value and 88  
Q 36 If a building or any part thereof fall, except as the result of hre, all insurance by this policy on such building orits conten ts damage, and, failing to agree, shall submit their diiierences to the umpire; and the award in writing of any two shall determine 89 i
* 37 shall immediately cease. the amount of such loss ; the parties thereto shall pay the appraiser respectively selected by them and shall bear equally the 90 Y
  38 This company shall not be liable for loss to accounts, bills, currency, deeds, evidences of debt, money. notes, or securities; expenses of the appraisal and umpire. 91
, n 3 39 nor, unless liability is specihcally assumed hereon, for loss to awnings, bullion, casts, curiosities, drawings, dies, implements, , This company shall not be held to have waived any provision or condition of this policy or any forfeiture thereof by any 92  
i 40 jewels, manuscripts, medals, models,pattems, pictures, scientific apparatus, signs,store orotfnce furniture or fixtures, sculpture, requirement,act, or proceeding on its part relating to the appraisal or to any examination herein provided for ; and the loss 93 5
I 41 tools, or property held on storage or for repairs; nor,beyond the actual value destroyed by fire, for loss occasioned by ordinance shall not become payable until sixty days after the notice, ascertainment, estimate,and satisfactory proof of the loss herein 94  
l 42 or law regulating construction or repair of buildings, or by interruption of business, manufacturingprocesses, or otherwise ; nor required have been received by this company, including an award by appraisers when appraisal has been required. 95  
_ 43 for any greater proportion ofthe value of plate glass,frescoes,and decorations than thatwhich this policy shall bear to the whole This company shall not be liable under this policy for a greater proportion of any loss on the described property, or for 96  
44 insurance on the building described. loss by and expense of removal from premises endangered by tire, than the amount hereby insured shall bear to the whole 97 Q
, 45 If an application, survey, plan, or description of property be referred to in this policy it shall be a part of this contract and insurance, whether valid or not, or by solvent or insolvent insurers, covering such property, and the extent of the application 98 V
. 46 a warranty by the insured. of the insurance under this policy or of the contribution to be made by this company in case of loss, may be provided for by 99  
{ 47 In any matter relating to this insurance no person, unless duly authorized in writing, shall be deemed the agent of this agreement or condition written hereon or attached or appended hereto. Liability for re-insurance shall be as specifically agreed 100  
Q 48 company. hereon. 101 ?
_   49 This policy may by a renewal be continued under the original stipulations, in consideration of premium for the renewed If this companyshall claim that the tire was caused by the act or neglect of any person or corporation, private or munic- 102 2 ‘
· i p .   50 term, rovided that anyincrease of hazardmustbemade known to this company atthe timeof renewal or this policy shall bevoid. ipal, this company shall, on payment of the loss, be subrogated to the extent of such payment to all right of recovery by the 103  
.   g 51 'lliiis policy shall be canceled at any time at the request of the insured ; or by the company by giving tive days notice of insured for the loss resulting there&om, and such right shall be assigned to this company by the insured on receiving such 104  
  52 such cancellation. If this policy shall be canceled as hereinbefore provided, or become void or cease, the premium having been payment. 105  
  53 actually paid, the unearned portion shall be returned on surrenderof this policy or last renewal, this company retainingthe cus- No suit or action on this policy, for the recovery of any claim, shall be sustainable in any court of law or equity until after 106   , A
__ .   54 tomary shortrate ; except that when this policy is canceled by this company by giving notice it shall retain only the pro mia full compliance bythe insured with all the foregoing requirements,nor unless commencedwithin twelve months next after the Ere. 107 i ,
‘=2- 55 premium. _ _ _ Wherever in this policy the word "1nsured" occurs, it shall be held to include the legal representative of the insured, and 108 Q
p 56 If, with the consent of this company, an interest under this policy shall exist in favor of a mortgagee or of any person or wherever the word "loss " occurs, it shall be deemed the equivalent of " loss or damage." 109 i .
* 57 corporation having an interest in the subject of insurance other than the interest of the insured as described herein, the condi- If this policy be made by a mutual or other company having special regulations lawfully applicable to its organization, 110  
,   58 tions hereinbefore contained shall apply in the manner expressed in such provisions and conditions of insurance relating to such membership, policies or contracts of insurance, such regulations shall apply to and form a part of this policy as the same may 111 ii
  59 interest as shall be written upon, attached, or appended hereto. be written or printed upon, attached or appended hereto. ` 112   p V
  This policy is made and accepted subject to the foregoing stipulations and conditions, together with such other provisions, agreements, or conditions as may be indorsed hereon or added hereto, and no oEcer, agent, or other representative of this com- ii ‘ ° i
V j pany shall have power to waive any provision or condition of this policy except such as by the terms of this policy may be the S11bj€Ct of agreementindorsed hereon or added hereto, and as to such provisions and conditions no officer, agent, or representative shall   _ , .
  have such power or be deemed or held to have waived such provisions or conditions unless such waiver,if any,shall be written upon or attached hereto, nor shall any privilege or permission aifecting the insurance under this policyexist/o:,be claimed by einsuxed  
,   unless so written or attached.   fh  
V   In `(KHIIIIQBQ whereof, THE IMPERIAL INSURANCE COMPANY LIMITED, duly established under the Laws of the Kingdom of Great Britain and Ireland, pursuant to which said com any has executéd and a/ttes d   i
these presents by its Resident Manager, at ATLANTA, GA., acting under power of attorney; this policy shall not be valid until countersigned by the duly authorized manager or agent of the company   ....... [ ._.. {1.,. _.._,,.....   A
A A   COUNTERSIGNED THIS ,......   ............. DAY OF ...,..,.....   ........,.....   ..... . .l., 190eZ ......... / *  
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