The Tyler Journal (Tyler, Tex.), Vol. 3, No. 41, Ed. 1 Friday, February 10, 1928 Page: 4 of 8
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THE TYLER JOURNAL
FFRRUARY 10. 1928
Frequency of Fires in Tyler Affecting
Loral Insurance Rates; Organization of
Agencies for Improvement of Status
E-dk
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II
ler has had an unusual number
of fires and fire alarms within the
past few months and it appears that
the city is not in line to receive any
reductions in her fire insurance rates,
such as are recorded by Qui State Fire
Insurance Commission’s rating board
to those communities which kedp
their fire losses down to a minimum.
It is admitted that Tyler has a most
efficient water system and that her
Fire Department functions with ex-
ceptional efficiency. It is also admit-
ted that there are but very few, if
an instances of fires within the past
year that are attributable to incen-
diary origin.
But notwithstanding these facts Ty-
ler's experience for the past year in
particular has showed a fire loss much
in excess of her annual premiums. It
‘is due in the main to two or three
very costly fires—but the small loss-
es, those that count up by frequent
occurence, have contributed very much
to the sum total of Tyler’s fire loss-
People in the city, realizing that
they are not likely to have a reduc-
tion, and that they may have an in-
crease of insurance rates, are taking
note of the fire record of Tyler.
Likewise reports in the local press,
being noted by outsiders, are causing
them also to take note of Tyler’s un-
enviable experience in the matter of
fire losses during the past year or so.
Local Insurance Agencies Make
Survey of Situation
Some rumors had gained currency
that many insurance companies hav-
ing agencies established in Tyler had
either withdrawn from the field or
contemplated doing so. These ru-
mors upon their face seemed in the
knowledge of local insurance men to
lack substantial foundation; but, in
order to render to their own clients
and to the community at large that
high class of insurance service for
which Tyler insurance underwriters
enjoy so good a reputation, a meeting
of all agencies was called Tuesday af-
ternoon to confer with the Fire Chief,
Fire Marshal and representatives of
the City Commission. Fire Marshal
E. A. WilkeB presided and the entire
status of the city’s fife record for the
past year or two was reviewed.
Among the matters of interest devel-
oping at this meeting were the fol-
lowing:
1— -There is no basis of fact in the
report that insurance companies are
withdrawing from Tyler in a wholesale
way. The only thing seeming to jus-
tify this report is that one General
Insurance agency having a company
or two planted in many East Texas
towns has decided to withdraw from
the entire East Texas field. That
agency’s companies were represented
in Tyler.
2— If any one has, for this season,
concluded, or for any reason report-
ed that there is a wholesale exodus
of insurance companies from Tyler, he
has gone to the extremes of absurdity.
It is presumed that each and all of
the seven reputable and well establish-
ed insurance agencies of this city will
keep faith with their clients. It is
certain that if any general insurance
agencies or any insurance companies
even contemplated withdrawal from
this field, their local agents in Tyler
would be the first to be apprised of
such proposed action.
-Therefor
3—Therefore, if anybody having in-
surable property in Tyler is losing
sleep, lest he may find il impossible
to obtain just and equitable under-
writings thereupon, his fears ought to
be allayed. ^
; »■’
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A discussion of the causes possibly
and most ^probably contributing most
to the unfavorable fire record of Ty-
ler within the past year or two was
a part of the review given by the
seven local agencies represented at
the conference with the City authori-
ties. These agencies are: Cousins,
Hight & Niblack, Herndon & Cox,
Tom Cox, Jas R. McBride, J. H. Bro-
gan & Co., Long & Hardgroves and
O. M. Boren & Co. There was not en-
tire unanimity of opinion in these
matters, but all the agency represen-
tatives in the meeting agreed sub-
tantially that the following are the
factors possibly contributing most to
Tyler’s unfortunate record:
1— A sense of safety on the part of
many insurers that makes them less
careful to guard against fires than
they would otherwise be.
2— The ease with which fire insur-
ance can be obtained—that is to say
that too little attention has hitherto
been paid to the moral hazard involv-
ed, and that possibly too little and too
indifferent an inspection has been giv-
en of the physical properties offered
for insurance. This conclusion as re-
spects moral hazards is not due to nu
merous fires of incendiary origin, for
such have not occurred, in thfe opinion
of the fire chief. Respecting the sec-
ond matter, it is pointed out that upon
close inspections of some properties
insured the agencies have had to re-
duce the amount of insurance. It is
presumed that an insurer will carry
some of the risk himself. Therefore,
it is concluded that the agency writ-
ing insurance for the full value of the
property, or for more than its reason-
able value, according to accepted in
surance standards of valuation, is
committing an indiscretion and con-
tributing to habits of carelessness re-
specting fires on the part of the in-
surer—and, in some instances inviting
oral hazards to bum their own
must have not only fewer costly fires,
but fewer fires of any kind. Other-
wise a conceivable condition could ar-
rive whereby it would be impossible
for property owners to get adequate
insurance in reputable underwriting
companies.
5— They further agrbed that there
is no possible way for insurers to es-
cape a higher rate unless the commu-
nity as a whole becomes so aroused to
the necessity of making a better fire
record; that is to say the insurers of
Tyler must pay a rate that will pay
for the community’s carelessness and
indifference. r
6— They further agreed that the
city’s record for fire alarms is caus-
ed in a large way by the habit so
many have of letting their lawns and
vacant lots grow up in vegetation—
and then, when frost falls, of burning
this vegetation without due safe-
guards. Not a few of these “grass
fires’”, not to mention other more se-
rious fires, were caused by careless-
ness in flipping cigarettes and cigar
stubs and in other careless ways..
Local Agencies Organize for Enforc-
ing Protective Measures
The seven agencies represented at
the confeernce organized what proper-
ly ought to called a local insurance
Exchange. The object of
zation is to cooperate with' EneFaStJ*
Fire Department and the Insurance
Companies on the one hand and to
educate the insuring public, respect-
ing its duties on the other.
DIXIE W. H. D. CLUB HAS
QUILTING PARTY FOR
Texas produces about 2,000,000
bushels of potatoes annually.
Dixie, Feb. 8—Mr. H. E. Beaird was
hostess to the 26 members of Dixie
W. H. D. club who attended yester-
day’s meeting. She had a beautiful
quilt “in frame” and ready, so the
meeting was turned into a quilting
party. Sandwiches, coffee and cook-
ies constituted an appropriate re-
refreshment service at the close of
the meeting.
The club’s next meeting is to be
Tuesday, Feb. 21 at the home of Mrs.
M. O. Carson; and at that time it is
the dasire of a representative of The
Tyler Journal to obtain a picture of
the club—and the Editor has sent
word that he wants the entire mem-
bership to be present without fail. -
John H. Crawford
New and Second-hand
If you saw it in The
J^nalTyou know the advertiser is reliably
Furniture
Opposite Marvin Church
Phone 385
Tyler
Classified Ads
RESIDENCE HAT SHOPPE
New York buyer has just sent her
the new Spring line for her Chain
Hat Shoppe. Shb maintains her pop-
ular shop in her residence at 908
Donniebrook Street, has no overhead
expenses, invites the inspection of
her patrons and friends- and assures
further that her minimum of operating
expenses enables her to make surpris-
ingly attractive prices. tig
NOTICE TO PUBLIC
I will pay no bills nor accounts un-
less same have been authorized by me
or by written order.
N. B. HUDNALL.
Feb. 2, 1928. 41t2p
Legal Publications
THE STATE OF TEXAS
ELECTRIC STOVE—Hoi Point, 3-
burner and oven, in fine condition;
Electric Washer, new engine; both
reasonably priced; also some second j
hand furniture. Mrs. Wisdom, 9081
Donniebrook St. Phone 708. 41t2 !
W. T. PLEDGER
Owner of
OLD TOUGH MEAT MARKET
DUROC JERSEY—For sale or trade:
Registered Duroc Jersey red boar.
Sell right, or trade for cow, yearlings
or young mule. W. R. Pounders, Bus-
ter Brown Shoe Store, Tyler. 40tf
Hot Barbecue Daily
„ MULES—Just unloaded two cars
good Oklahoma mules, broke to
work. Fine shape, ready for the col-
uv ..Young ages. R. L. Edwards,
fief, Texas. 38t4
See me before you sell your
HOGS, CALVES and CATTLE
Phone 691
229 N. Spring Street Tyler |
DODGE TOURING CAR—For Sale1
or Trade—Extra well kept Dodge j
Touring Car, well worth $250.00 in ac-1
tual service value. Will outlast some
new cars that are on the market now.
Registered for 1928. Will trade for
666
is
Mrs. Wisdom announces that her small tract of land, lots or other prop
erty, and pay small cash difference
on good trade. Will sell for reason-
able cash payment and terms. See
me if you want a really serviceable
car and have an offer. Nat W. Brooks,
Owner, Tyler, Texas. 38tf
Prescription for
Colds, Grippe, Flu, Dengue, !
Bilious Fever and Malaria
It kills the germs. 27tl7
Seeds and Plante
!
ONION PLANTS—Any variety: 50Q,
85c, 1000, $1.25. Delivered express,
collect, crate: Yellow $3.90; Crystal
Wax $4.50. Buy direct and get fresh
plants, pencil size. Alger, Grower.
Crystal City, Texas. 41t7p
TO THE SHERIFF OR ANY CON-
STABLE OF SMITH COUNTY,
GREETING *
YOU ARE HEREBY COMMAND-
ED TO summon Tennie Mauldin by
making publication of this citation
once each week for four successive
weeks previous to the return day here-
of in some newspaper published in
your County, to appear at the next
regular term of the District Court of
Smith County, Texas, to be holden at
the Court House in the City of Tyler,
Texas, on the 4th Monday in Feb-
ruary, A. D. 1928, the same being the
27th day of February, A. D. 1928,
then and there to answer a petition
filed in said Court on the 20th day of
January, A. D. 1928, in a suit num-
bered on the docket of said Court as
No. 1490-A, wherein Fred Mauldin
is plaintiff, and Tennie Mauldin is
defendant, said petition alleging that
plaintiff and defendant were legally
Dodge’s famous plants will prove to
you that it pays to pay a little more
and get the best. These big, tough,
well rooted plants are grown in the
open fields without irrigation or pro-
tection. Send in a small trial order
and see the best plants grown in Tex-
as. Larger than pencil Size. Crystal
Wax, Yellow or White Bermuda on-
ion plants, 500, 85c; 1,000, $1.35;
3,000, $3.75; 5,000 $5.50. Frost Proof
Cabbage plants. Jersey, Charleston,
Flat Dutch and Copenhagen, 100, 35c;
300, 75c; 500, $1.00; 1,000, $1.75;
3,000 -5.00. All prepaid, satisfaction
guaranteed. Dealers write. Dodge
Plant Farms, Raymondville, Texas.
41t7p.
KASCH COTTON — We had 4,000
acres of good black land around
Whitewright planted in Ed Kas<;h ped-
igreed seed. Ginned on our own gin,
stored in our special warehouse and
kept pure. We also have some Me-
bane seed grown by us from pedigreed
Mebane; either variety. 3-bushel bag
$4.00 per bag, freight paid in Texas.
Pure Seed Farms, Whitewright, Tex-
as. 41t7p
TRAIN SERVICE
FROM TYLER
NORTHBpUND
102 Ar. From Waco ............2:20 AM
102 Lv. For Texarkana ........2:35 AM
104 Ar. From Waco ..........1:56 PM
104 Lv. For Texarkana ........2:16 PM
402 Ar. From Lufkin ..........6:55 PM
404 Ar. From Lufkin ..........11:55 AM
SOUTHBOUND
101 Ar. From Texarkana „.4:05 AM
101 Lv. For Waco .............. 4:20 AM
103 Ar. From Texarkana ...1:14 PM
103 Lv. For Waco ..........1:29 PM
401 Lv. For Lufkin .............. 8:15 AM
403 Lv. For Lufkin .............3:15 PM
JAS. KENNEDY
Ticket Agent
Phone 1318
’ SERVICE WITH COURTESY”
THOMAS
EIGHAN
V ,
a
ARCADIA
Saturday
Only
VfeteAll
Gamblers
mtith
MARIETTA MILLNER.
A JAMES CROZE PRODUCTION
nmimD by
ADOLPH ZUKOR «.» (ESSE L LASKY
Coming Monday
GRETA GARBO in
“THE DEVIL WOMAN”
TRUSSES
Full Line of a’i Sizes—Perfect Fit
and Satisfaction Guaranteed
STARLEY DRUG CO.
TYLER, TEXAS
PURE COTTON SEED—A distinct
married on or .bodt^nth^d.y?nd improvea Yypf iTBi^ Bofl Mo-
November, A. D. 1924, and lived to-
gether as husband and wife until
about the 15th day of December, A.
D. 1924, at which time defendant,
without just cause and provocation
abandoned plaintiff and has remained
away from plaintiff for more than
three years.
Wherefore plaintiff prays for judg-
ment of the Court dissolving the mar-
riage relation existing between plain-
tiff and defendant and fop general
and special relief.
HEREIN FAIL NOT, but of
ntirely too little attention has
builders, contractors
ty owner* to conatmctfoi
are built. Roofs are
tinder, even in congested residential
districts. Wiring is not done proper-
ly. Ftyes are not constructed safe to
begin with. Not to mention the con-
tributing causes in a long catalogue
of careless acts, It can be said that
many fires have occurred in Tyler be-
the conference ware in agreement that
Tyler must reduce her fire hazards,
this
writ make due return as the law di-
rects. showing how you have execu-
ted the same.
Given under my hand and seal of
said Court at Tyler, Texas this the
21st day of January, A. D. 1928.
(SEAL) A. M. RAMSOUR,
District Clerk,
39t4 Smith County; Texas.
THE STATE OF TEXAS
TO THE SHERIFF OR ANY CON-
STABLE OF SMITH COUNTY,
GREETING:
YOU ARE HEREBY COMMAND-
ED to summon Wesley Jennings by
making publication of this citation
once each week for Four successive
weeks previous to the return day here-
of in some newspaper published in
your county, to appear at the next
regular term of the District Court of
Smith County, Texas, to be holden at
the Courthouse in the City of
Tyler, Texas on the 4th Monday
in February,OL D. 1928, the same
being the 27th day of February, A. D.
1928, then and there to answer a pe-
tition filed in Baid Court on the 20th
day of January, A. D. 1928, in a suit
numbered on the Docket of said Court
as No. 1491-A, wherein Pinkey Jenn-
ings is plaintiff, and Wesley Jennings
is defendant, said petition alleging
that plaintiff and defendant have been
legally married and lived together
for a long period of time; that de-
fendant abandoned plaintiff more
than seven years before the filing of
this Sdlt Since Which lime they have
not lived together as husband and
wife.
bane cotton seed. State certified.
Agent wanted. Mebane Cotton Se^d
Company, Garland, Texas. 38t7p
ACALA COTTON SEED—Watson’s
new and latest improved Acala cotton
seed. Northern grown. Direct from
originator. Ferris Watson, Garland,
Dallas County, Texas. 38t7p
BRYANT - MEBANE—Plant Bryant-
Mebane cotton and get a good turn-
out, premium staple, big drooping
storm-proof bolls, heavy yield per
acre. Growers everywhere praise it.
State inspected, and certified. Direct
from the breeder. $2.50 per bushel.
Less for large orders. Write for fur-
ther information. Bryant Cotton
Breeding Farms, Corsicana, Texas.
37t7p.
k
JAK&ATWOOD
REAL ESTATE AND
SECURITIES
Tyler, Texas
Office Over Odom Drug Store
HEART BRAND FERTILIZERS
* i. J
HAVE PROVEN THEIR SUPERIORITY IN ACTUAL
FIELD TESTS. YOU CAN BUY THE BEST RIGHT AT
HOME.
For FIELD TOMATOES use
10—6—7. 8—4—6, OR 8—4—4
WE MAKE FERTILIZERS FOR ALL CROPS AND
SOILS IN EAST TEXAS. VISIT OUR PLANT AND
LEARN HOW THEY ARE MADE.
Tyler Fertilizer Co.
I.-G. N. Tracks Between Reeves and Noble Streets
TYLER, TEXAS 40t2 PHONE 1010
PURE SEED—Pure seed from the
Mebane Triumph cotton may again
be bought direct from the A. D. Me-
bane Bstate. Cotton raised from
these seed brought 100 points pre-
mium over the average prices on the
streets of Lockhart this fall. Staple
runs from Liverpool inch and one-
eighth to 28-30 m-m. For informa-
tion and prices write direct to the A.
D. Mebane Estate, Lockhart, Texas.
38t7p.
Poultry and Eggs
nage relation existing between plain-
tiff and defendant and for general
id special I
HEREIN
FAIL NOT, but of this
writ make due return as the law di-
rects. showing how you have execu
ted the same.
cum of construction defects and im- Given under my hand and seal of CUSTOM HATCHING — Our 12,000
proper electric wiring and gas fitting said Court at Tyler, Texas this the egg Mammonth Incubator is now
and connections. 21st day of January, A. D. 192R. Mm
4—All the agencies represented at (SEAL) A. M. RAMSOUR,
District Clerk
39t4
Smith County, Texas. 36t/'
CUSTOM HATCHING—Set each Sat-
urday. Leave eggs at Goldstein’s
Seed Store. Baby chicks (Three
leading varieties) for sale. James O.
Toler, West Dixie Highway, Tyler.
40tf.
WHITE LEGHORNS — Fifty young
English White Leghorn hens. Hoff-
man and Golden Glow strains. Very
desirable hens for breeding purpose.
Price $1.00 each. Mrs. H. E. Cul-
bert, Mt. Sylvan, Texas. 40t2p
EGGS FOR HATCHING—From fancy
Single Comb Rhode Island Reds. Per
setting: $2.50 from first pen; $1.50
from second pen. Write J. H. Phil-
lips, Or Phone 776-J or 254, Tyler.
ROCKS AND TURKEYS — White
and Buff Wynpouth Rocks and Mam-4
rkeys. Pulldts 82.50;<
Toms $8.00 v Hens'
C. A. Hine, Davilla.
37t7p
moth .Bror
art
Texas.
running nicely. Brin
any Saturday. Dr.
Sqn. Phone 1585-J,
ig your eggs on
G. K. Talley &
Tyler, Texas.
HaveYour
Scribblings
"Analyzed
Louise Rice, world famous graphologist,
can positively read your talents, virtues
end faults in the drawings, words and
what nots that you scribble when “lost
in thought”.
Send your " scribblings ” or signature
for nnalynls. Enclose the picture of the Mikado
head, cut from a box of Mikado pencils, and
ten cents. Addreu Louise Sice, care of
EAGLE PENCIL CO., NEW YORK CITY
For colds, grip
and flu take
s
Relieves the congestion,
prevents complications,
And hastens recovery.
Deltox Grass Rugs
We have just received our GRASS RUGS for the Spring
demand. In our opinion the patterns are the prettiest ever,
and the prices are very reasonable—a splendid combination.
9x12 Deltox Grass Rug
6x9 Deltox Grass Rug
$12.50
8.50
These are very good rugs, made in Wisconsin, and we
do not want you to compare them with the cheap rice straw
rugs, made in China.
* i
-M*
7(W/iIOME V
Should Come
FIRST
Tyler House Furnishing Go,
’•H 'J-
PHONE 275
S. COLLEGE ST.
MM
J r ■'. J
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Edwards, Henry. The Tyler Journal (Tyler, Tex.), Vol. 3, No. 41, Ed. 1 Friday, February 10, 1928, newspaper, February 10, 1928; Tyler, Texas. (https://texashistory.unt.edu/ark:/67531/metapth638028/m1/4/: accessed April 25, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu; crediting Smith County Historical Society.