St. Cloud Placed in False Light

St. Cloud Placed in False Light

That the reports of the Minnesota State insurance commissioner on fire losses have been unfair to St. Cloud is the opinion of Fire Marshal Magnuson, who produces the undisputable figures to back up his assertion. It isthe claim of the fire marshal that the losses reported by the insurance commissioner as in St. Cloud included the fires in all of the outlying districts where the insurance has been written by St. Cloud agents. “I send in my report annually,” said Marshal Magnuson, “but the commissioner does not appear to pay any attention to it. He takes only the reports sent in by the insurance agents in the city and of course their reports include fires all over the surrounding territory. For instance, the two big church fires during the past two years and the several store losses in surrounding towns, even as far away as Rice, have been included in St. Cloud’s loss.” The figures for the last three years, taken from the report of the city fire chief well illustrate Marshal Magnuson’s point. They are as follows:

From the year 1893 to the year 1900 inclusive, premiums were $248,613, and losses $211,910. Total loss for 19 years was $534,427 and premiums $709,881, as per insurance commissioner’s records. It has been the custom of all fire insurance specialists to take the insurance commissioner’s figures in making recommendations. “The loss in St. Cloud,” according to Chief Magnuson, “has been remarkably light for a number of years. We have had few big fires and the smaller blazes have been quickly extinguished with but little loss. St. Cloud is getting a black eye in insurance circles from the failure of the insurance commissioners to separate the local losses from those in the country.”

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