Face Brick Bank Building, Detroit. Geo. M. Lindsey Co., Architects
Saving on Insurance Rates
Furthermore, there is the matter of fire insurance, not a large one, but growing in the course of years to an appreciable sum. The reason for better insurance rates on the brick house is one that makes the strongest appeal to a man, and that is, safety from the fear and fact of fire, protection for himself and family from a justly dreaded misfortune. Acting on this reason, the insurance company will put from 19 to 37 per cent higher rate on a frame or stucco than on a brick house. Besides, you can carry 20 per cent less insurance on the more substantial structure.
Comfort and Health
Again the builder must consider the question of comfort and health. An 8-inch furred brick wall will require less coal to keep the house warm than in case of frame. This saving, however, is not nearly as important as uniform comfort which, especially in winter, has a vital bearing on the health and welfare of the family, more particularly as it affects very young or delicate children and old people, or even the strong who may, for the time being, be indisposed. The man who builds a good brick house saves on his coal and doctor bills.
Face Brick Bungalow, Chicago, Ill. J. R. Stone, Architect
