REPORT OF TI-HE COMMISSIONER OF INSURANCE.


or rates fixed and determined by the commission, and the com-
m11ission shall consider such petition in the manner provided in
this Act and enter such order thereon as it may deem just and
equitable.  The commission shall have full authority and
power to give each city, town, village or locality credit for
each and every hazard they may reduce or entirely remove,
and also for all added fire fighting equipment, increased police
protection, or any other equipment or improvement that has a
tendency to reduce the fire hazard of any such city, town, vil-
lage or locality, and also to give credit for a good fire record
made by any city, town, village or locality. Said commission
shall also have the power and authority to compel any com-
pany to give any or all policyholders credit for any and all
hazards that said policyholder or holders may reduce or re-
move. Said credit shall be in proportion to such reduction or
removal of such hazard and said company or empanies shall
return to such policyholder or holders, such proportional part
of the unearned premium charged for such hazard that may be
reduced or removed.
SCHEDULES AND RATES TO BE PUBLIC
Section 15. When a policy of fire insurance shall be issued
by any company transacting the business of fire insurance in
this state, such company shall furnish the policyholder with
a written or printed analysis of the rate or premium charged
for such policy, showing the items of charge and credit which
determine the rate, unless such policyholder has theretofore
been furnished with such analysis of such rate. All schedules
of rates promulgated by said commission shall be open to the
public at all times, and every local agent of a fire insurance
company transacting business in this state shall have and ex-
lhibit to the public copies of such schedules covering all risks
upon wuisch he is authorized to write insurance.
ALTERATION OF RATES
Section 16. The commission shall have full power and au-
thority after having given reasonable notice, not exceeding
thirty days, -of its intention to do so, to alter, amend or revise
aay rates of premium fixed and determined by it in aniy sched-