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Explain to everyone in the house what to do in case of fire. how to put our fire in clothing by wrapping in a rug or blanket. what to do when grease catches fire in tine kitchen. leaks with a match. Teach everyone in the family to be careful of fire. to watch stoves, fire- places. electric irons and all other possible fire causes. and every day to remove old rags. papers and other rubbish. matches where small children cannot reach the-m. Never smoke in the gar- age, lzarn or attic. nor in bed. Remox J 1-.x‘mish, wast-e papers and all unnecessary combustible materials. Provide metal ash and trash cans. Burn rubbish only in a safely covered brick or metal incinerator. Watch the fine. Examine all stoves. furnaces. and smoke pipes to make sure they are safe and well away from woodwork or other burnable Inaterlals. Have need- ed repairs made at once. Notify the electric company of elec- trical trouble and the gas company of gas leaks. Replace “blown" {Uses with new onesâ€"mot pennies. Avoid home made wiring jobs. Don't, look for gas leaks with a match. Teach everyone in the family to be Value the advice of your fire chief who says thaL many fires are caused by dirty or defective chimneys. Have the chimney cleaned regularly. and have all defects repaired. Escape the danger of flammable liquid fir-es and explosions by keeping no gasoline in the house. Do dry clean- ing with safe liquids or send .the work to the cleaner. Never start fires with kerosene. From the Dominion F‘ire Commis- sioner at Ottawa come some suggestions for making the home safe from fire danger. These rules are so good and so timely that they are given below in full. The Advance urges all to read and to heed them. The repeated sug- gestion that. the citizen should consult the fire chief or any of the firemen in regard to fire risks is particularly wor- thy of attention. Fire Chief Borland and all his men are enthusiastic on fire prevention and fire protection. They will be very glad to give any in- formation or advice and- will not (on- alder it any trouble. Indeed, they will be plzeas-ed'at the friendliness and co- operation shown by any such questions. Here is the list of suggestions:â€" Prevent Fires Put lighted matches and smokes out before you throw them away. Keep matches where small children cannot reach them. Never smoke in the gar- age. tam or attic. nor in bed. Simple Suggestions to Fol- low. Consult Your Fire Chief. Ways t0 Make Your Hume Safe from Fire Save lite and property from needless T‘HUPSDAY. OCTOBER GTE. l938 [law a Brick Fireplace built in your home for this winter. One built by w. ll. Sever-t will give you many years of satisfaction. {or there is nothing more inviting in one's home on a cold night than a bright Fireplare. 153 Mount joy St. 5 Cedar Street North Don’t take chances with fire 'by dry'cleaning your clothes at home. Be safe and avoid danger of explo- sions and painful burns by sending all your cleaning to our modern plant. Our prices are reasonable; the service is fast: and your clothes are cleaned per- . fectly. W. H. SEVERT Don’t Clean Your Clothes At Home Brick Fireplaces Estimate (Madly Given on Any Construction Herman’s Dry Cleaning Safe and Dependable WHERE THE CHAR.“ 0F NEW’NESH IS RESTORE!) PHONE - 524 Building Contractor that are But. thanks to the underwriting fraternity much of this loss was cov- ered by insurance. and replacement made possible. There remains yet an- other side to the story. the side that presents something that no amount of insurance or other human help can A series of graphs which appeared recently in the Weekly Underwriter. would assuredly lead one to believe the eginning of the new year will mark the turn toward higher losses. To the average man this. shall we say. “shop talk" about cycles and ratios and so on is not of mneh interest. but whether the ratio is up or whether it is down, the fact is that in Canada during the last twelve years there have been 359,- 000 fires in dwelling houses, causing a property loss of $134,000,000. This. in a so-called low loss period. presents a thought provoking picture. to say the least. (From Insurance Financial RevieW) There is an oft repeated saying that “History repeats itself" and certainly there is much justification for the popularity of the phrase. floods. droughts. plagues, good times and bad times. appear to repeat in more or less well defined periods. or as we more often see it expressed, in cycles. Granting such to be the case it is more than a mere possibility that. the low loss ratio which has been the rule with the underwriter of fire risks dur- ing the past ten years. is about to end, to be succeeded by a correspondingly higher ratio. Entitled “2 Minutes Tick by . . . An- other Home Goes Up in Smoke!” it is printed in two colours and is attrac- tively illustrated. Its pages are il- luminated with drawings and graphs designed to flag the attention of peo- ple who might not otherwise be inter- ested in this subject. A minimum of cow is used, yet each set of opposite pages points a definite lesson in 'fire prevention. and even the casual read- er should carry away a desire to co- operate in safety measures. The book- let. which measures 6 x 9 inches. is free in reasonable quantities. or at cost for large orders. Keep the Home Fires Burning “Safely” Should Centre on the_Y0ung- er Generation. Powerful forces are at work to save' homes. according to W. E. Mallalieu, general manager of the National Board at Fire Underwriters. as expressed in the foreword of an attractive new book- let just issued by the National Board. These forces represent the combined engineering skill and the active inter- 4 est of the outstanding fire protection authorities in the country and this new booklet has been issued as a part of the National Board's participation in the campaign to inspect every home in America by uniformed firemen dur- ing Fire Prevention Week this year. It is designed to arouse public interest in making household inspections. Entitled “2 Minutes Tick by . . . An- Using Phrase, “Another House Goes Up in Smoke” destruction by fire by keeping the principles of fire prevention always in mind and never taking a chance with fire. Phone 279-1 'l‘immins If everybody tries to avoid fire risks, the {ire menace will he reduced to the minimum. (Insurance and Financial Review) At a meeting of the Ontario Muni- cipal Association which was held in Toronto early in the present month. it approved a measure sponsored by the City of Niagara Falls. recommending a Provincial tax on all premiums for fire insurance written in the Province of Ontarioâ€"the tax to be forwarded to the municipalities in which the policies were written. According to the reso- .lution, the tax was to be used in con- lnection with a pension and benefit fund for civic employees. or to provide a portion of the cost. of fire protection in the municipalities. ’ Word having reached the All Canav Eda Insurance Federation that some such measure would be brought before the Association, Mr. R. L. Stailing ap- peared. representing the All Canada Insurance Federation. and scored the resolution as ”unfair and. impractical.” and declared that “no Federal or Pro- vincial Government would ever con- sider such a suggestion." The meeting, however, approved of the measure. Mr. Stailing took occasion to point out the cost and effort involved in un- derwriting fire insurance risks. and the manner in which premium charges were decided by the risk involved. He also attacked the proposal from varâ€"i ious other angles and stated that to? ask fire insurance companies to con-1 tribute to the cost of fire prevention in. this way was as ridiculous as taxing} burglary insurance companies to payl for police protection. or life insurancei companies to pay for social service. or for fire insurance companies to pay forl the upkeep of the Fire Departments of the various municipalities through-out the province. We give the above as a sample of the many foolish resolutions which are passed from time to time by various bodies which affect all classes of in-l We give the above as a sample of the many foolish resolutions which are passed from time to time by various bodies which affect all classes of in- surance. and which Just go- to show how fire insurance associations. as well aso ther insurance associations have to be on the alert to head off such mea- sures as these, as once such ideas get into the public mind. it is hard to con- vince them to the contrary. and it just means another expense and annoyance in fighting such resolutions. The Ontario Fire Marshal lists the following as the largest fires in the province in the past three months:â€" Ottawaâ€"Good Shepherd Convent. July 22nd, loss $71749; incendiary orâ€" St. Gatheringsâ€"Canadian Canners and othersfwarehouse; Aug; 20th; loss estimated at $85,000. Origin of fire unknown. Eastviewâ€"Bebcherman Iron and Me- tal Co.; warehouse; Sept. 20th: loss 870.000. Originated in chimney. 3 Clean swvepipes mean a clean cons- cience about unneces ary fire risks LARGE FIRES IN ONTARIO IN LAST THREE MONTHS With cooler weather approaching. there will be the usual increase in the number of home fires. more especially in the rural and outlying districts. where wood or coal burning stoves are in more general use both for heating and cooking purposes. The causes of the majority of the fires in these homes areâ€"overturned lanterns, rusted or poorly connected stoveplpes. using coal oil or even gasoline to start the morn- ing fireâ€"these are the most common causes we believe and unless we are sadly mistaken, the early bird on the average farm is, in most instances, a ydung lad of school age who has his chores to do before going to school. Now we don't say that the yciungsters are the cause of all the fires, but the} hurried manner in which their work‘ is done does not lend itself to caution, and so are formed careless habits that some day will mean disaster. No use trying to educate the grown- ups; they think they know it all; but concentrate on the boys and girls, de- velop in them a fire consciousness and! see the records drop. Make the boy the Fire Chief of the home, not only in the country but in the cities as well. Give him a responsibility like this, make him feel that he is important, (and wouldn't he be?» and he will re-' tain and carry the knowledge gained through life. Forget the grown-upsâ€" you‘ve got to catch 'em young these days. Scores Proposal to Tax Fire Insurance Premiums and incidentally many lives. for dwel- ling hcqse fires take many more lives than any other class of fire. The National Board of Fire Underwriters., through their Fire Prevention Branchi spend thousands of dollars yearly in the publishing and distributing of pamphlets and other literature special- ly prepared to spread the knowledge‘ of fire prevention and protection in the! 1 home and elsewhere. l which were lost in these time. . In iaetoriea. in the. large department! stores and in huge hotela and office buildings. where thousands of people} congregate. and where hundreds of different activities are carried on daily. in these places the fire hazard is re- duced to a minimum and only under exceptionally rare occasions are lives lost in this class of fire. Watchful- neaa and knowledge of what to do on the part. of someone has averted many! a serious fire. Watchfulness. and the knowledge of what to do would saVe many a home. m to minceâ€"we speak for if)? lives that have been broken. careers that have been ruined. the achooltn‘ that will never be finished. we weak 0! this and the thousand and one other; set-backs that must inevitably follow? as a direct result of the 5039 lives, which were lost in these fines. ‘ Xn metal-tea. tn the large department, 1, the early bird on the is, in most instances, a school age who has his before going to school. say that the yctungsters of all the fires, but, the THE PORCU‘PINE ADVANCE. W8. ONTARIO home dwel - Finally. if the consumer has any rea- son to think that any part of his elec- trical installation is defective through age or any other cause. he should apply to the Electrical Inspection Depart- ment -for advice as to what should be done with it. At nominal cost much trouble and inconvenience may thus be avoided. if not actual bodily harm or loss of property. Lamps and fuses should not be changed while standing on a damp floor or when near metal [pipes or radlatcrs. On no account should a fuse be re- placed with one of larger capacity than 15 amperes. The capacity is marked on the fuse. This fluse will protect the ordinary house circuit and the use of a. large fuse destroys this protection. A fuse should never be bridged with a coin or piece of wire. Further Safety Precautions: A few precautionary remarks may be added; If it is desired to avoid risk of fire and shockâ€"not to mention the possibility oi being fined for breaking the law-4111 electrical installation and alteration work should be done by a trained elec- trician and inspected. An electric heater should not be used in a bathroom, unless the metal frame of it has been properly groundedwthut is, connected to the earth through the water pipes. 10. Have respect for all equipment so long as it is i: keep it in good order. 9. See if all wall outlets are solidly fastened in place. If outlets hlss when plugs areconnected. or if the outlets do not make good contact with the plugs. have the outlets replaced. Moat electrical fires result from the misuse of or tampering with electrical wiring or equipment or from neglect in maintenance. These fires are abso- lutely unnecessary and can easily be ’avolded. In urging all householders tn have a survey made of all their electri- cal equipment to make'sure that it does not constitute a fire hazard. Mr. ’ A. G. Hall. Chief Elecrical Inspector of the Hydro Electric Power Commission. makes the following suggestions for making homes safer. 1. If any lamp socket is coming apart. or is loose on its support. have it re- ,paired. If the wires are worn wher-n ‘they enter any socket. have them re- ! placed. 8. Disconnect all electrical heating appliances. particularly electric irons. when they are not in use. Do this by detaching their cords from the outlet. 7. Examine the fuses to see if any 01 them have been tampered with. U3:- fuses rated at 15 amperes except 1‘01 special circuits. Keep some extra {us-“3:: on hand. 5. Plugs on cord sets. if broken. should be replaced. 6. Do not subject flexible cords to in- jury in any way. Do not run them un- der rugs. through doorways, or leave them in contact with hot radiators. 4. See if the insulation on all attach- ment cords is intact. If insulation is broken d-o‘Wn or if wires are exposed. re- place the cords with new ones. 5. Plugs on cord sets. if broken. 3. See if all portable appliances and lamps are in first class condition. If you can get a shock from any of them or if they frequently cause fuse blow- outs, have them repaired by an ex- perienced man. 2. Look around the house for “tem- porary" extensions which have been left in place. Call in an electrician to have these replaced by a permanent form of wiring. Safety Rulgs for Electrical Needs Chief Electrical Inspector : Gives Valuable Sugges- tions. 17 PINE STREET NORTH SECURITY SULLIVAN NEWTON If this scene should take place in front of your home or business ARE YOU PROTECTED ? Insurance In All Its Forms )1' all electrical it is in use. and Ask About Our Low Rates On FIRE INSURANCE (By Ontario Fire Marshal) 1. The majority of fires in the small dwellings which are usually construct- ed on the northern homesteads are caused by overheated stoves or defec- tive chimney work. Therefore. inspec- tion work should be most thorough, particularly pertaining to heating and cooking stoves. There should be am- ple metal protection for the floor under all stoves. which should extend 2 feet beyond the front and 18 inches beyond the sides and rear thereof. 2. In most cases the chimneys have been placed on brackets and in some cases metal stove pipes only have been used for chimneys. The latter. natur- ally, constitute a very serious hazard. Where it is feasible. chimneys should be built from the ground up of either brick. stone or concrete. If it is neces- sary, they may be built on a bracket. the brackets should be constructed from the ground and not supported by the wall. Stove pipes should not be per- mitted to serve as chimneys through either a wall or roof. ' placed in wooden or other combustible receptacles and should not be piled against any wooden building or wall. 5. Clothing. etc. should not be hung over stoves. even if supported on wire. as there is danger of them dropping off the stove and becoming ignited. 6. Coal oil lamps should be trimmed and filled during daylight hours only and coal oil should not. be used for starting fires. The supply of coal oil should be kept in a metal can away from the heat of the stoves and prefer- ably in an outhouse. 7. Gasoline should not be stored in any vessel in the house. and most cer- tainly should not be used for cleaning purposes. For cleaning furniture. etc. turnpentine is reasonably safe. and for cleaning clothes a solvent with a flash point of over 100 degrees may be used. 8. Matches should be placed in a metal container and out of reach of children. Advise the parents not to peimit their children to play with cel- luloid toys. as they are execeptionally inflommnlxln Overheated Pipes and De- fective Chimneys Chief Causes of Fli'es. Fire 'e Prevention in Homes ot Settlers 20 Pine St. North INSURANCE Be Careful - But Be Sure You’re Insured! Have Adequate Insuram'v Burned to the Ground! TIMMINS I' "7 8. Matches should be placed in a metal container and out of reach of children. Advise the parents not to permit their children to play with cel- luloid toys. as they are execeptionally 3. Stoves and heaters should be at least 2 feet away from any wall or wood- work and if the wall is of combustible material, it should be protected by metal with an air space of at least 2 inches between the metal and the wood- work. with an opening at the top and bottom to permit a current of air to circulate in the air space. 4. Ashes from stoves should not be placed in wooden or other combustible receptacles and should not be piled against any wooden building or wall. 5. Clothing. etc. should not be hung over stoves. even if supported on wire. as there is danger of them dropping off the stove and becoming ignited. nflammable R E A L E STA ’l‘ E LOA NS Prs should be at any wall or wood- is of combustible be protected by l’ r a ('1' w (I . S 211' Qty M M 11 ml 5 STEAMSHII’ (‘)l<‘l“l(‘l<] Phones 1135 and IBM) Fire losses in Canada for the year to date exceed those of the correspond- ing period of 1937 by nearly two mil- lion. The cumulative total for the year now stands at 11,244,875. campared with $9,260,475 9. year ago. The loss in Ontario from fires in the first, nine months of 1938 is given by the; Ontario Fire Marshal as $6.050.850. Of this $887303 was not govmed by in- surance. The figures far 1938 are an increase of $80,562 over the same per- iod of 1937. In 1937 in the nine months there were 11,106 fires. while in the same [period in 1938 there were 11.285, an increase of 179. It is a good idea at this time of year to clean up cellars. attics. yards. from inflammable material. These place-s make bad breeding places for fires. FIRE LOSSES [’1’ TWO KEEP MATCHES AWAY FROM MISFHIEVOI'S (‘IIILDREN Keep matches away from youngsters Matches in the hands of playing chil- dren are a fltuibful source of fires each year. (‘LEAN UP YARDS, ATTH‘S AND (‘ICLLARS Rlflll'l‘ LOSS FROM FIR I' TELEPHONE 10-11 SERVICE 18 figures far 1938 are an $80,562 over the same perâ€" In 1937 in the nine months 11,106 fires. while in the in 1938 there were 11,285, IN ()N'I‘AR l0 PAGE m1 MILLIONS A W A Y h