Scientific American, Volume XLIII., No. 25, December 18, 1880 | Page 3

large become the sufferers. Thus it is that we find all ably-managed insurance companies earnestly endeavoring to make it plain to the public how fires should be guarded against, or most effectually localized and controlled when once started.
During the fall, or from "lighting up" time till about New Year's day, more fires occur ordinarily than in any other portion of the year. This fact points to some of the most general causes of conflagrations--as in the lighting and heating of houses, factories, etc., where this had not been necessary during the summer months. It is also found that after the first of the year the number of fires is greatly diminished, the lighting and heating arrangements having been subjected to a period of trial during which their most obvious defects would be remedied. While it may readily be conceded that the utmost care of the owner of property could not totally prevent great average losses from fire--for the greater the holdings the more must the proprietor trust to the oversight of others--it is evident that the above facts indicate the necessity of more strenuous precautions at this season. Gas pipes and fittings should then be tested; furnace flues and settings looked to; stove, heater, and grate fixtures and connections examined--and in all these particulars the scrutiny should be most closely directed to parts ordinarily covered up or out of sight, so that any defect or weakness from long disuse may be exposed. When to the above causes of fires we have added the extremely fruitful one found in the extensive use of coal oil within a few years past, we have indicated the most common sources of conflagrations of known origin. An English authority gives the percentages of different causes of 30,000 fires in London, from 1833 to 1865, as follows: Candles, 11.07; curtains, 9.71; flues, 7.80; gas, 7.65; sparks, 4.47; stoves, 1.67; children playing, 1.59; matches, 1.41; smoking tobacco, 1.40, other known causes, 19.40; unknown causes, 32.88. The foregoing figures do not give the percentage of incendiary fires, and later statistics would, no doubt, show vastly more fires from the use of kerosene than are here attributed to candles.
The prevention of fires, and the best means of minimizing the loss when they do occur, are topics which cover a wide field, and a collection of the literature on the subject would make a very respectable library. As the question presents itself to-day, it may well be doubted whether the general practice of large property holders of insuring all their possessions does not tend to lessen the constant vigilance which is the most essential requisite in preventing fires. Thousands of merchants never mean to keep a dollar's worth of goods in store or warehouse that is not fully covered by insurance, and they make this cost a regular charge upon their business as peremptorily as they do the wages paid the hands in their employ. But few manufacturers can so completely cover their risks by insurance, yet a large portion of them do so as far as they are able. It does not follow but that the larger portion of both merchants and manufacturers exercise what the law will fully decide is "due vigilance" in the care of the property so insured, but it is evident that in most cases the thoughtfulness is much less complete--the care wonderfully lacking in personal supervision--as compared with what would be the case were each one his own insurer. Of course, this in no way casts a doubt upon the general policy of business men being amply insured, but in fact shows the greater necessity why they should be so, that they may not suffer from the carelessness of a neighbor; it also points to the necessity of continually increasing care and thoroughness of inspection on the part of the insurance companies. These agencies, in fact, must compel the insured to keep up to the mark in the introduction of every improvement to ward off fires or diminish their destructiveness. The progress made in this department during recent years has been great. The almost universal use of steam has been attended by the fitting up of factories with force pumps, hose, and all the appliances of a modern fire brigade; dangerous rooms are metal sheathed, and machinery likely to cause fire is surrounded by stationary pipes from which jets of water may be turned on instantaneously from the outside; stores and warehouses have standing pipes from which every floor may be flooded with water under pressure, and the elevators, those most dangerous flues for rapidly spreading a fire, are either bricked in entirely or supposed to be closed at every floor. The latter point, however, is sometimes forgotten, as sea captains forget to keep the divisions of their vessels having watertight compartments separate from