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the tribune stouffville oat thursday may 27 1948 always on the job reelect mackenzie progressive conservative candidate june 7th north york when the propertyowner has kepi v l c his insurance up to the required mrs rorsyth precentage if a loss occurs the uxbridge loses a company pays the loss up to the rfl jfui face value of the policy in case drorner of a total loss but if he does not a host of friewis ami aequaim eep hs insurance up to the anc in uxbridge town and sur- requlred percentage his indemnity r0 countrv learned with deep is reduced accordingly re 0 lu ieith of ethvard i in policies wtth coinsurance palmer on wednesdav mav 12th clause the premium is usually al trse age of s1 the u v but another and great to uxbridge cemeterv on get st much more littlo mure when urn vol for buy maxvkrll house supremely delicious its a iileiul hiicet advantage is that it tends to make katurdav mav loth services being the owner appraise the value of his conducted at trinitv united church property from time to time and bv rev l e atk review the amount of insurance rp carried thus the owner is more the edward p was likely to keep his insurance up to p township m value in such cases but while uiiderinsurance is a is your fire insurance cover adequate if your property should burn tonight if fire destroys your house or barns tonight will your fire insur ance be sufficient to enable you to replace the building and contents without loss according to some fire insurance authorities if you are an average 1 person your fire insurance will be commercial buildings are found to about 30tc short if it would cost you 10000 to rebuild at present prices you carry about 4000 about two years ago it was esti mated that property subject to fire loss in all canada was under- insured 15 to 50 so that there has been some improvement since that time but even now when a fire occurs it is found frequently that the amount of insurance car ried is inadequate in many cases two ways to good bean eating wxss mousses now you can suit every taste with these two popular varieties of van camps pork and beans theres van camps pork and beans with tomato sauce plump tender beans cooked as only van camps know how with the finest canadian pork and a delicious ipicy tomato sauce and theres van campi new england style beans with pork youll find the same juicy van camps quality beans the same generous morsels of sweet canadian pork but a won derful distinctive sauce thats all its own a rich appetizing blend of real molasses and tomato sauce trii both van camps contain only the finest ingredients a puro thats what i need aduro pump fills v farm need running water when and where vou want it a labor saver that produces profits clean fresh water is a neces sity in your home barns truck garden and stables be sure to install the duro pump with capacity for all your needs includ ing a reserve for lire protection install the best in stall a duro emco fixtures and fittings emco fixtures and fittings arc designed for beauty and utility sec how easily you can modernize kitchen bathroom laundry protect the health and add to daily comfort of all your family j k agnew hardware stouffville lllpirbflflssmfgcd fo limitd tonoon hatiu en toficntosuosusvojnrietg vatic ouv be better insured relatively than residences but the overall picture shows considerable under insurance in all types of property despite a campaign inauguarated two years ago to get property owners generally to insure up to value meanness or neglect reasons for underinsurance vary considerably in different quarters some property owners feel that they have never had a fire that insurance is more or less a needless luxury so they either dont insure at all or else insure for only part of the value feeling that the chances are against them ever collecting a claim others again are underinsured simply because they have failed to realize that their property values have increased enormously in recent years too many people are still valuing the replacement cost of their buildings on 1939 levels whereas costs are up probably 100 or more it is estimated that a house that cost 7000 to build hi 1939 would cost 14000 today a houseowner who insures on the 1939 basis or even on an increase of 50 will find himself out of luck if fires comes the same thing is true as regards commercial buildings but under insurance is less of a problem here than it is in residential properties businessmen generally seem to be more concerned with the possibility of fire losses on their business property and goods than on their homes coinsurance clause moreover many fire insurance policies on business properties con tain a coinsurance clause under which the owner agrees to keep his insurance up to a stated percentage of the actual value 80 is com mon under this type of contract matter of prime concern to the propertyowner it is also of impor tance to the insurance company especially where partial losses are involved and most fire losses in canada are partial when a fire occurs in a building of modern fireresistive construe- health began to fail but it was only tion in a municipality with an uhe last few weeks he wis confined efficient fire department it is his home he was a member of usually extinguished before the uxbridge united church uxbridge township in 1sc7 a son of the late john palmer and caroline sharrard before retiring to uxbridge several years ago he farmed in uxbridge and reach townships he was of a friendly quiet disposition and took great pleasure in his homt and family a few months nso his property is completely destroyed in such cases the insurance com pany usually pays the actual loss while receiving a premium based on only a part of the value the partial loss may become a total loss as far as the insurance com pany is concerned when there is no coinsurance clause and a partial loss occurs the adjustment of loss is likely to be on a much closer basis than if the building is insured to value on if there is coinsurance a sellers market meanwhile the fire insurance market continues active with the companies in some cases bein offered more business than they care to take accordinly they are scrutinizing new business carefully and taking only the best of the risks offered it is in effect a sellers market crowding of dwelling quarters and deteriorated heating equip ment are blamed for much of the loss in residential quarters more adequate housing accommodation and replacement of wornout heat ing and firefighting apparatus are expected to remedy the situation in coming months in any case propertyowners of all types are being urged to check i their insurance cover with the replacement value of their property even over the last year some estimate building costs to have increased about 18 so that insur ance protection adequate in 1917 might be quite inadequate today mr palmer is survived by his wife the former elveretta harper to whom he war married in 1s9s two daughters bessie mrs george young of lanark and edna mrs sidney lome of lindsay and three granddaughters margaret ruth and barbara lonie also sur viving are two sisters mrs chris forsyth of uxbridge township and mrs robert skene of oxdrift ont uxbridge timesjournal of the worlds coffees true economy roys liuy maxwell house for better prices buying selling trading cars see murray smith 601 st clair ave toronto at vaughan rd we specialize in customers satisfaction phone us collect kenwood 3785 or mtalbert 4415- weekends cream for best results ship your cream to stouffville creamery we pay two cents more per pound butterfat for cream delivered to the creamery cold storage lockers and fast freezing facilities stouffville creamery co to have our truck call phone 18601 ruratj hydro expands again hydro will be extended to 30000 new rural communities in ontario during 1948 it is officially announc ed this week due to the amalgama tion of the districts in rural areas uniform rates are adopted and the demand for at least two customers per mile is no longer necessary wanted bones w harris company limited 200 keating st toronto will pay highest prices for all classes of bones write or telephone elgin 7114 toronto aiy summerize your car for safe driving check these points windshield wiper works properly on wipes dtonry headlights output ot iwst 50 f ne lamp value giou- frit aim ami fain rear view mirror unbrovtn ood dear frit from vibration glass unobscured ly stkvus solely glass all arun4 tailand stoplights working property own and bright dont drive a public menace says garage association representative intuitu sifiir cmtii tires ply rords not exposed no outset or trend furs horn audble lor 70q ftl wilh out tianjinru steering not more ihon 3 mines play in steering wheel wheels properly aligned brakes slop in 30 lt irora 50 m p fa irawt all whtth cqwoliiml check your car check accidents last year in ontario 12 per cent of the convictions for violations of the highway traffic act were for mechanical defects in vehicles the chart illustrates the danger points of your car where a safety check may save your neck motor mechanics to be trained professionally in new school indentured motor mechanic ap prentices nearly 2000 of them throughout ontario will soon start real professional training at the vehicle repair school in toronto states john robbns general man ager of the ontario garage opera tors association and a former di rector o the detroit traffic safe ty council recociizing the need for trained mechanics to service the increas ing number ot vehicles on the road and for new uptodate knowledge on postwar innovations i cj jjie garage operators- association per suaded the provincial departments of labour and education to take over the rehab schools facilities when veteran training programs corre to a close now a committee of experts from the motor business thoroughly experienced in mech anics training a draw- ut a i complete course which apprentices i will have to pass before they can j be certified as motor mechanics it is expected that starting in september garagemen with ap- i prentices in their employ will be i advised when their apprentices are due for a course at the trade school and will ask the employers to co operate by granting leave of ab sence a warrant for railway transpor tation will be provided the appren tice by the department of labour who will also settle him in a gov ernment inspected boarding house and give him a medical examina tion while he is at school his em ployer will keep him on his pay roll the majority of the motor repair trade is wholeheartedly behind this project says mr robblns and both the industry and the public stand to benefit by the soheme for safer driving and a longer life for your car see your motor mechanic twice a year just as you do with your dentist says james a reid field representative for the garage operators association of ontario most people have their cars winterized before the cold woather sets in but wth heavy summer driving ahead it is just as lmportart to summerize states mr reld barring collision damage every major repair on a car was once a minor job which would have saved the owner many dollars if caught in time winter driving is hard on any car and safe summer driving demands a thorough checkup now to pre vent major and perhaps dangerous breakdowns later check points for safetys sake the most im portant items are brakes steering and lights according to this vet- eran garageman while cold weather docs not seem to affect brakes unduly mr reid cm- i phasizes their importance as a safety factor and as one thing that should never be forgotten in sum- merizing a car uneven braking on different wheels can be dan gerous rough winter roads are definite ly hard on wheel alignment and steering mr reid says unless these arc checked now too much play in the steering and per- i haps a pronounced shimmy can develop before fall i lights arc often knocked out of line by the excessive vibration of winter driving and beam nlign- ment should be checked wiring for the lights should be checked for deterioration caused by con densation and freezing of moisture on wire covering for the sake of longer life for your car the obvious spring clean ing jobs include flushing out the radiator and changing the oil a less apparent spring need is clean ing the undersurface of the car during the winter rock salt and other chemicals are ucd on icy surfaces and a good deal is pick ed up by the average car during a winters driving thee cremicals have a corroding action and are women keep cars safer for driving women drivers keep their can in better shape than men sayi eran garageman james a reid i wont commit myself on whether or not they are safer drivers he continues b women usually have sense enough to realize that they now very little about what makes car tick con sequently thev take the cars to a professional motor mechanic wherever anything goes wrong no matter how small or tl- other hand the average man fancies himself as a pietty fair mechanic so he is inclined v let things go oi try to fix them himsell generally he winds up needing major epiirs that could ave been avoided by an van visit io a qualified mechanic official statistics snow that ast year women driver- made up 101 per n of the total nui- her of lice red drivers in ontar but women drivers were involved in only per cent of the total num ber of traffic accidents throughout the province ii ver the saw official source cautiously adds that no figures are available on the n iloage driven b women so its still anybodys argument one of the chief causes of rot on the fenders and the lower parts of the body particularly along the s ams but the allimportant safety gadget on a car smiles mr reld is still the nut that holds the wheel and theres not very much we garagemen can do about it through the years we have observ ed that the safe driver will driv a safe car and your qualified mo tor mechanic will see that yoc have a safe ar to drive if his services are eniisted soon enough