“Inquiries connected with measures for the improvement of the population have developed the operation of insurances, in engendering crimes and calamities; negatively, by weakening natural responsibilities and motives to care and forethought; positively, by temptations held out to the commission of crime in the facility with which insurance money is usually obtainable.
“The steady increase in the number of fires in the metropolis, whilst our advance in the arts gives means for their diminution, is ascribable mainly to the operation of these two causes, and to the division and weakening of administrative authority. From information on which we can rely, we feel assured that the crime of incendiarism for the sake of insurance money exists to a far greater extent than the public are aware of.”
Mr. Braidwood has expressed his opinion that only one-half of the property in the metropolis is insured, not as to numbers of property, but as to value; but the proportion of insured and uninsured houses could not be ascertained.
Mr. Baddeley, the inspector to the Society for the Protection of Life from Fire, who had given attention to the subject for the last 30 years, gave the Board the following account of the increase of fires:—
| Fires per Annum of Houses and Properties. | Of which were Totally Uninsured. | Proportion per Cent. of Insured Houses and Properties Burnt. | |
|---|---|---|---|
| In the first seven years there were on an average | 623 | 215 | 65·15 |
| In the second seven years | 790 | 244 | 69·3 |
During this period there has been a great increase in the number of dwellings, but this has been chiefly in suburban places, where fires rarely occur.
“The frequency of fires,” it is further stated, “led Mr. Payne, the coroner of the City of London, to revive the exercise of the coroner’s function of inquiring into the causes of fires; most usefully. Out of 58 inquests held by him (in the City of London and the borough of Southwark, which comprise only one-eighteenth of the houses of the metropolis) since 1845, it appears that, 8 were proved to be wilful; 27 apparently accidental; and 23 from causes unknown, including suspicious causes. The proportion of ascertained wilful fires was, therefore, 23 per cent.; which gives strong confirmation to the indications presented by the statistical returns as to the excess of insured property burnt above uninsured.”
The at once mean and reckless criminality of arson, by which a man exposes his neighbours to the risk of a dreadful death, which he himself takes measures to avoid, has long, and on many occasions, gone unpunished in London. The insurance companies, when a demand is made upon them for a loss through fire, institute an inquiry, carried on quietly by their own people. The claimant is informed, if sufficient reasons for such a step appear, that from suspicious circumstances, which had come to the knowledge of the company, the demand would not be complied with, and that the company would resist any action for the recovery of the money. The criminal becomes alarmed, he is afraid of committing himself, and so the matter drops, and the insurance companies, not being required to pay the indemnification, are satisfied to save their money, and let the incendiarism remain unnoticed or unpunished. Mr. Payne, the coroner, has on some occasions strongly commented on this practice as one which showed the want of a public prosecutor.