Hand-Book of Adjustment of Loss or Damage by Fire; For the Use of Fire Underwriters (Paperback)

This historic book may have numerous typos and missing text. Purchasers can download a free scanned copy of the original book (without typos) from the publisher. Not indexed. Not illustrated. 1868 edition. Excerpt: ...submitted to them; and as their appraisement is final, as to the measure of damage to the property appraised, they are expected to discharge their duties in a conscientious and impartial manner. So much depends upon the proper selection of an appraiser on behalf of the company, that no pains should be spared to procure the best talent to be had. The insured, being in the midst of friends whose prejudices would naturally incline them to favor him as much as possible, will usually have no difficulty in selecting a person to suit his own views. The interest of the company will require corresponding care on the part of the agent. The appraisement of damage, to be satisfactory, must be in detail; that is, upon each separate article, when single, or by the dozen, yard, gallon or bushel, as the case may be, in form as per schedule A, of appraiser's blanks. All estimates by the lump, or in gross, or by percentage, should be ignored. Blank forms containing the "Agreement of submission to Appraisers" the "Appraiser's Declaration" and the "Appraiser's schedule, or inventory" upon which all damaged property should be written, are Usually furnished by the companies, and should be used in preference, as their contents are pertinent and well digested for the purpose. The adjuster or agent should make it a point to be present during the appraisement, to watch over the interests of his company by preventing any unfair or fraudulent act on the part of the claimant or his appraiser, or carelessness on the part of the company's appraiser, to the injury of the company, should such be attempted, as has frequently been the case heretofore, and will be frequently hereafter, until human nature changes. Where persistent effort is made by the...