. Electric railway journal . lt than in thepresent case. In some latitudes snow and ice have to becarefully considered in this connection. Special lightingis often required over inspection pits and various problemsof ventilation are encountered, but in each case the samegeneral method of investigation as outlined should be em-ployed. RATE OF INSURANCE Part of a designers duty is to predetermine all of therequirements of the underwriters in connection with thebuilding and to establish the exact rate which will be givenupon the completed structure. This is very important, but itis not a difficul
. Electric railway journal . lt than in thepresent case. In some latitudes snow and ice have to becarefully considered in this connection. Special lightingis often required over inspection pits and various problemsof ventilation are encountered, but in each case the samegeneral method of investigation as outlined should be em-ployed. RATE OF INSURANCE Part of a designers duty is to predetermine all of therequirements of the underwriters in connection with thebuilding and to establish the exact rate which will be givenupon the completed structure. This is very important, but itis not a difficult task when taken up in an intelligent man-ner. The abuse which is usually hurled at the insurancecompanies by designers and operators is frequently bornof ignorance and results from the application of penaltiesfor defective design, construction or equipment. The engineering departments of the underwriters haveformulated certain requirements and restrictions which byexperience they have found to be helpful in their effort to. Norfolk Installation—Roof, End and Side Lighting in theMachine Room prevent loss by fire. A designer can obtain these rulesand requirements and will find a sincere desire on thepart of the underwriters to co-operate with him in hisefforts to justify a minimum rate of insurance. Of course,a certain familiarity with their regulations is necessarybefore a designer can successfully apply their rules to anyseparate problem, but to submit detail plans and specifica-tions to the underwriters for criticism even before pro-ceeding to take bids will often be found to be of value andwill eliminate the possibility of error and disappointmentlater on. The rate of insurance on a carhouse is of far greaterimportance than the rate on most buildings because thevalue of the rolling stock is many times the value of thebuilding and its rate is based on the rate upon the build-ing. The carhouses herein illustrated have been given thelowest rate possible in their district. Th
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