Where is the original text of the 165-line New York standard insurance policy located?

Answer 1

FIRST PAGE OF STANDARD FIRE POLICY

No. ............

[Space for insertion of name of company or companies issuing the policy and

other matter permitted to be stated at the head of the policy.]

[Space for listing amounts of insurance, rates and premiums for the basic

coverages insured under the standard form of policy and for additional

coverages or perils insured under endorsements attached.]

In Consideration of the Provisions and Stipulations herein or added hereto

and of ...................................................... Dollars Premium

this Company, ) ( at noon, Standard Time,

for the term ) from the ... day of ..., 19... ( at location of property

of .......... ) to the ... day of ...., 19.... ( involved,

does insure ...................................................................

and legal representatives, TO THE LESSER AMOUNT OF EITHER:

1) THE ACTUAL CASH VALUE OF THE PROPERTY AT THE TIME OF THE LOSS, OR

2) THE AMOUNT WHICH IT WOULD COST TO REPAIR OR REPLACE THE PROPERTY WITH

MATERIAL OF LIKE KIND AND QUALITY WITHIN A REASONABLE TIME AFTER SUCH LOSS,

WITHOUT ALLOWANCE FOR ANY INCREASED COST OF REPAIR OR RECONSTRUCTION BY

REASON OF ANY ORDINANCE OR LAW REGULATING CONSTRUCTION OR REPAIR, AND WITHOUT

COMPENSATION FOR LOSS RESULTING FROM INTERRUPTION OF BUSINESS OR MANUFACTURE,

OR

3) TO AN AMOUNT NOT EXCEEDING ........ DOLLARS, BUT IN ANY EVENT FOR NO MORE

THAN THE INTEREST OF THE INSURED, AGAINST ALL DIRECT LOSS BY FIRE, LIGHTNING

AND BY REMOVAL FROM PREMISES ENDANGERED BY THE PERILS INSURED AGAINST IN THIS

POLICY, EXCEPT AS HEREINAFTER PROVIDED, to the property described hereinafter

while located or contained as described in this policy, or pro rata for five

days at each proper place to which any of the property shall necessarily be

removed for preservation from the perils insured against in this policy, but

not elsewhere.

Assignment of this policy shall not be valid except with the written consent

of this Company.

This policy is made and accepted subject to the foregoing provisions and

stipulations and those hereinafter stated, which are hereby made a part of

this policy, together with such other provisions, stipulations and agreements

as may be added hereto, as provided in this policy.

In Witness Whereof, this Company has executed and attested these presents; but

this policy shall not be valid

unless countersigned by the duly authorized Agent of this Company at ..........

...............................................................................

Secretary. President.

Countersigned this ..... day of .........., 19.... ...........................

AGENT.

SECOND PAGE OF STANDARD FIRE POLICY

1 Concealment, This entire policy shall be void if, whether

2 fraud. before or after a loss, the insured has wil-

3 fully concealed or misrepresented any ma-

4 terial fact or circumstance concerning this insurance or the

5 subject thereof, or the interest of the insured therein, or in case

6 of any fraud or false swearing by the insured relating thereto.

7 Uninsurable This policy shall not cover accounts, bills,

8 and currency, deeds, evidences of debt, money or

9 excepted property. securities; nor, unless specifically named

10 hereon in writing, bullion or manuscripts.

11 Perils not This Company shall not be liable for loss by

12 included. fire or other perils insured against in this

13 policy caused, directly or indirectly, by: (a)

14 enemy attack by armed forces, including action taken by mili-

15 tary, naval or air forces in resisting an actual or an immediately

16 impending enemy attack; (b) invasion; (c) insurrection; (d)

17 rebellion; (e) revolution; (f) civil war; (g) usurped power; (h)

18 order of any civil authority except acts of destruction at the time

19 of and for the purpose of preventing the spread of fire, provided

20 that such fire did not originate from any of the perils excluded

21 by this policy; (i) neglect of the insured to use all reasonable

22 means to save and preserve the property at and after a loss, or

23 when the property is endangered by fire in neighboring prem-

24 ises; (j) nor shall this Company be liable for loss by theft.

25 Other Insurance. Other insurance may be prohibited or the

26 amount of insurance may be limited by en-

27 dorsement attached hereto.

28 Conditions suspending or restricting insurance. Unless other-

29 wise provided in writing added hereto this Company shall not

30 be liable for loss occurring

31 (a) while the hazard is increased by any means within the con-

32 trol or knowledge of the insured; or

33 (b) while a described building, whether intended for occupancy

34 by owner or tenant, is vacant or unoccupied beyond a period of

35 sixty consecutive days; or

36 (c) as a result of explosion or riot, unless fire ensue, and in

37 that event for loss by fire only.

38 Other perils Any other peril to be insured against or sub-

39 or subjects. ject of insurance to be covered in this policy

40 shall be by endorsement in writing hereon or

41 added hereto.

42 Added provisions. The extent of the application of insurance

43 under this policy and of the contribution to

44 be made by this Company in case of loss, and any other pro-

45 vision or agreement not inconsistent with the provisions of this

46 policy, may be provided for in writing added hereto, but no pro-

47 vision may be waived except such as by the terms of this policy

48 is subject to change.

49 Waiver No permission affecting this insurance shall

50 provisions. exist, or waiver of any provision be valid,

51 unless granted herein or expressed in writing

52 added hereto. No provision, stipulation or forfeiture shall be

53 held to be waived by any requirement or proceeding on the part

54 of this Company relating to appraisal or to any examination

55 provided for herein.

56 Cancellation This policy shall be cancelled at any time

57 of policy. at the request of the insured, in which case

58 this Company shall, upon demand and sur-

59 render of this policy, refund the excess of paid premium above

60 the customary short rates for the expired time. This pol-

61 icy may be cancelled at any time by this Company by giving

62 to the insured a five days' written notice of cancellation with

63 or without tender of the excess of paid premium above the pro

64 rata premium for the expired time, which excess, if not ten-

65 dered, shall be refunded on demand. Notice of cancellation shall

66 state that said excess premium (if not tendered) will be re-

67 funded on demand.

68 Mortgagee If loss hereunder is made payable, in whole

69 interests and or in part, to a designated mortgagee not

70 obligations. named herein as the insured, such interest in

71 this policy may be cancelled by giving to such

72 mortgagee a ten days' written notice of can-

73 cellation.

74 If the insured fails to render proof of loss such mortgagee, upon

75 notice, shall render proof of loss in the form herein specified

76 within sixty (60) days thereafter and shall be subject to the pro-

77 visions hereof relating to appraisal and time of payment and of

78 bringing suit. If this Company shall claim that no liability ex-

79 isted as to the mortgagor or owner, it shall, to the extent of pay-

80 ment of loss to the mortgagee, be subrogated to all the mort-

81 gagee's rights of recovery, but without impairing mortgagee's

82 right to sue; or it may pay off the mortgage debt and require

83 an assignment thereof and of the mortgage. Other provisions

84 relating to the interests and obligations of such mortgagee may

85 be added hereto by agreement in writing.

86 Pro rata liability. This Company shall not be liable for a greater

87 proportion of any loss than the amount

88 hereby insured shall bear to the whole insurance covering the

89 property against the peril involved, whether collectible or not.

90 Requirements in The insured shall give immediate written

91 case loss occurs. notice to this Company of any loss, protect

92 the property from further damage, forthwith

93 separate the damaged and undamaged personal property, put

94 it in the best possible order, furnish a complete inventory of

95 the destroyed, damaged and undamaged property, showing in

96 detail quantities, costs, actual cash value and amount of loss

97 claimed; and within sixty days after the loss, unless such time

98 is extended in writing by this Company, the insured shall render

99 to this Company a proof of loss, signed and sworn to by the

100 insured, stating the knowledge and belief of the insured as to

101 the following: the time and origin of the loss, the interest of the

102 insured and of all others in the property, the actual cash value of

103 each item thereof and the amount of loss thereto, all encum-

104 brances thereon, all other contracts of insurance, whether valid

105 or not, covering any of said property, any changes in the title,

106 use, occupation, location, possession or exposures of said prop-

107 erty since the issuing of this policy, by whom and for what

108 purpose any building herein described and the several parts

109 thereof were occupied at the time of loss and whether or not it

110 then stood on leased ground, and shall furnish a copy of all the

111 descriptions and schedules in all policies and, if required, verified

112 plans and specifications of any building, fixtures or machinery

113 destroyed or damaged. The insured, as often as may be reason-

114 ably required, shall exhibit to any person designated by this

115 Company all that remains of any property herein described, and

116 submit to examinations under oath by any person named by this

117 Company, and subscribe the same; and, as often as may be

118 reasonably required, shall produce for examination all books of

119 account, bills, invoices and other vouchers, or certified copies

120 thereof if originals be lost, at such reasonable time and place as

121 may be designated by this Company or its representative, and

122 shall permit extracts and copies thereof to be made.

123 Appraisal. In case the insured and this Company shall

124 fail to agree as to the actual cash value or

125 the amount of loss, then, on the written demand of either, each

126 shall select a competent and disinterested appraiser and notify

127 the other of the appraiser selected within twenty days of such

128 demand. The appraisers shall first select a competent and dis-

129 interested umpire; and failing for fifteen days to agree upon

130 such umpire, then, on request of the insured or this Company,

131 such umpire shall be selected by a judge of a court of record in

132 the state in which the property covered is located. The ap-

133 praisers shall then appraise the loss, stating separately actual

134 cash value and loss to each item; and, failing to agree, shall

135 submit their differences, only, to the umpire. An award in writ-

136 ing, so itemized, of any two when filed with this Company shall

137 determine the amount of actual cash value and loss. Each

138 appraiser shall be paid by the party selecting him and the ex-

139 penses of appraisal and umpire shall be paid by the parties

140 equally.

141 Company's It shall be optional with this Company to

142 options. take all, or any part, of the property at the

143 agreed or appraised value, and also to re-

144 pair, rebuild or replace the property destroyed or damaged with

145 other of like kind and quality within a reasonable time, on giv-

146 ing notice of its intention so to do within thirty days after the

147 receipt of the proof of loss herein required.

148 Abandonment. There can be no abandonment to this Com-

149 pany of any property.

150 When loss The amount of loss for which this Company

151 payable. may be liable shall be payable sixty days

152 after proof of loss, as herein provided, is

153 received by this Company and ascertainment of the loss is made

154 either by agreement between the insured and this Company ex-

155 pressed in writing or by the filing with this Company of an

156 award as herein provided.

157 Suit. No suit or action on this policy for the recov-

158 ery of any claim shall be sustainable in any

159 court of law or equity unless all the requirements of this policy

160 shall have been complied with, and unless commenced within

161 twenty-four months next after inception of the loss.

162 Subrogation. This Company may require from the insured

163 an assignment of all right of recovery against

164 any party for loss to the extent that payment therefor is made

165 by this Company.