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The following was found in an envelope addressed to:

J. Colin Howe

Gouverneur, NY

March 25, 1907 (mailed, Ogdensburg); March 26, 1907 (received, Gouverneur)

 

Return address was:

Nathaniel Wells, Secretary

St. Lawrence Farmers’ Insurance Company

Ogdensburg, NY 

 

St. Lawrence County Farmers’ Insurance Company statement of losses for 1904:

 

Office of the St. Lawrence County Farmers’ Insurance Company

Ogdensburg, NY  February 20th, 1905

 

TO OUR MEMBERS:

We send you enclosed our report and assessment for the year 1904.  You will see in our statement that our losses for January and December are more than any two months in the year.  It is impossible to know what was the cause.  The members who had the losses do not know.  We have losses by lighting and losses by unavoidable accident.  These we know the cause of but cannot prevent.  We have losses supposed to come from defective chimneys.  We have losses supposed to come from overheated stoves.  We have losses supposed to come from something out of the order with the stove pipes.  We have losses supposed to come from some defect in the lantern.  Now, can our members in the future years prevent or lessen the whole or a part of these losses?  If they can it will be a saving for this company and a saving in many ways for the members who would have the losses.  We are all well paid for our care in everything we do to prevent a loss of our buildings by fire.  Our assessment for the year is $2.79 on each one thousand dollars for the year.  This company is today one of the great Co-operative Insurance Companies of this State.  It has today a membership of more than six thousand farmers.  This company has now insured the farmers of this county for nineteen years and has saved them many thousands of dollars in the cost of insurance.  This company has insured more farmers in these years than any other Co-operative Insurance company in this state.  This company’s financial standing and in the making of its assessments and doing its work as no superior.  We have made an excellent beginning with but few losses so far this year.  Let us all hope that this will be a better year than last year.  I am requested by our Board of Directors to say to you that they trust that you may all have a prosperous year. 

 

I am yours respectfully,

Nathaniel Wells, Secretary

 

Year 1904:

 

Loss and damages by Fire and Lightning Year 1904:

Richard J. Blewett                                Loss                             $    36.00

John F. Campbell                                 Loss                             $      5.00

Mary E. Hamilton                                 Loss                             $    20.15

Joseph Clark                                        Loss and Damage         $    25.00

Samuel Crosbie                                    Damage                        $      7.00

Wm F. Sutton                                       Damage                        $      5.00

C.H. & A. F. Hibbard                          Loss and Damage         $    50.00

Nelson Northrup                                  Damage                        $    15.00

J. H. Burnham                                      Damage                        $    15.00

James Sullivan, Dewey Farm                 Damage                        $      2.00

M. W. King                                          Damage                        $    25.00

Marsh Armstrong                                 Damage                        $      2.00

Julius L. Brown                                     Damage                        $      5.00

Jennie Hughes                                       Damage                        $      5.00

Perry Weller                                         Damage                        $    17.00

S. H. & J.W. Henderson                      Damage                        $      2.00

Joseph Rossia                                       Damage                        $      5.00

Jerry Sullivan                                        Damage                        $    10.00

Levi R. Rounds                                     Damage                        $      5.00

Charles Kinch                                       Damage                        $      2.00

Jane Graffin                                          Damage                        $    21.00

Roselas Pckard                                    Damage                        $      3.00

Benj. Cleghorn                                     Damage                        $      5.00

Dennis Ryan                                         Damage                        $    12.00

Hattie Green                                         Damage                        $    10.00

Edgar Castle                                         Damage                        $      5.00

Israel Ward                                          Damage                        $      5.00

John Bates                                            Damage                        $      6.00

Horace Bogert                                      Damage                        $      3.00

Lucy Waite                                           Damage                        $    10.00

Frank C. Bristol                                    Damage                        $      6.00

W. T. Rowell                                        Damage                        $      5.00

Margaret & J.F. Graham                      Damage                        $    22.00

Daniel Donovan                                    Damage                        $      3.00

Jas McKenna                                       Damage                        $      4.00

J. W. Harmon                                       Damage                        $      4.74

D. S. Crowley                                      Damage                        $    15.00

Wm Bump & Harriet Goodspeed         Damage                        $      6.00

James Hourihan                                    Loss                             $      8.00

James M. Dinsdale                               Loss                             $      8.00

S. J. Baxter                                          Damage                        $    12.44

George Leary                                       Damage                        $      5.00

Anthony Wilson                                    Damage                        $      2.00

George H. Dishaw                                Damage                        $      9.00

Joseph E. Martin                                  Damage                        $      5.00

Dennis Lynch                                        Damage                        $      4.00

James Murton                                       Damage                        $    16.00

Thomas Raymo                                    Loss & Damage           $    53.50

D. J. Reed                                            Loss & Damage           $      5.00

Clark Bond                                          Loss & Damage           $    31.50

William M. Fisher                                 Loss & Damage           $    23.00

J. P. Bardon                                         Loss & Damage           $      4.50

Clara Ware                                          Loss & Damage           $    23.00

                                                                                                $  614.48

 

Loss of Stock by Lightening, Year 1904:                            

John M. Sterling, Loss of 1 cow                                                $    10.00

Dennis Murray, loss of 1 heifer                                                  $    12.00

Collers Bellairs, loss of 1 cow                                                   $    20.00

Ella M. Seeley, loss of 1 cow                                                    $    25.00

W. L. Chandler, loss of 2 heifers                                               $    24.00

Henry A. Wagstaff, loss of 1 cow                                             $    25.00

Ralph Willard, loss of 1 horse                                                   $    75.00

Edward Van House, loss of 1 heifer                                          $    10.00

John, Margaret & Catherine Robinson, loss of 4 head of cattle  $    85.00

J. H. Overacker, loss of 1 heifer                                                $    15.00

John Miller, loss of 1 calf                                                          $      4.50

Nancy Morrow, loss of 1 cow                                                  $    25.00

Arba Gates, loss of 1 bull                                                          $    20.00

Ellen Hurley, loss of 1 cow                                                        $    25.00

John McCarthy, loss of 2 cows                                                 $    50.00

Mrs. Dennis Sullivan, loss of 1 cow                                           $    25.00

C. Edith Hunter, loss of 2 cows                                                 $    50.00

Frank Hastings, loss of 1 heifer                                                 $    15.00

Horace Bogert, loss of 1 bull                                                     $    12.00

Peter Landerville, loss of 1 heifer                                               $    15.00

O. W. Stephens, loss of 1 horse                                                $    40.00

Benj. F. Aldous, loss of 1 cow                                                  $    15.00

Wm E. Waffle, loss of 1 cow                                                    $    25.00

James Leach, loss of 1 cow                                                      $    25.00

James Curry, loss of 1 cow                                                       $    25.00

Wm M. Dezell, loss of 1 cow                                                    $    25.00

Edwin A. Swett, loss of 1 cow                                                  $    25.00

Mary Ferris, loss of 1 calf                                                         $      4.00

M. B. Holcomb, loss of 1 heifer                                                $    15.00

A. A. Fletcher, loss of 1 heifer                                                  $    10.00

M. G. B. Lewis, loss of 2 cows                                                 $    50.00

Robert Fleming, loss of 1 cow                                                   $    25.00

Mary Shaw, loss of 1 bull                                                         $    13.00

Joseph Fields, loss of 1 cow                                                     $    25.00

Robert Bloomer, loss of 1 cow                                                 $      5.00

Barney Leonard, loss of 1 horse, 1 cow, 1 calf                          $  107.00

Wm J. Gillespie, loss of 1 cow                                                  $    25.00

Franklin LaPlatney, loss of 1 bull                                               $    15.00

Clarence Hutton, loss of 1 calf                                                  $      5.00

Gilbert Law, loss of 2 cows                                                      $    50.00

John Sullivan, loss of 1 cow                                                      $    25.00

Frances Fox, loss of 1 calf                                                        $      5.00

George E. Graves, loss of 1 cow                                               $    25.00

Patrick McKenna, loss of 1 heifer                                             $    12.00

Thomas Foster, loss of 1 cow                                                   $    25.00

Patrick W. Dailey, loss of 1 heifer                                             $    12.00

Frank J. Westcott, loss of 1 cow                                               $    25.00

Peter O’Brien, loss of 1 heifer                                                   $    12.00

Mrs. Mary Corey, loss of 1 heifer                                             $      9.00

S. L Woodworth, loss of 1 heifer                                              $      7.00

                                                                                                $1253.50

 

Expenses of Committees for year 1904:

S. C. Heminway, Services and expenses Executive Committee for the year 1904           $206.23

A. H. Roulston, Services and expenses Executive Committee for the year 1904             $206.35

H. D. Northrup, Services and expenses Executive Committee for the year 1904            $  24.00

Lott Hall, Services and expenses Auditing Committee for the year 1904                         $  20.90

James W. Bailie, Services and expenses Auditing Committee for the year 1904              $  18.50

M. T. Stocking, Services and expenses Auditing Committee for the year 1904               $  15.70