Yours faithfully,

   The Secy.,

    Hy. Jones.

   The Vesuvius Insce. Co.

   Dear Sir,—I regret that owing to my absence in Scotland the safe receipt of this policy was not sooner acknowledged. But I still more regret to have to inform you that the insured premises were totally destroyed by fire at a late hour last night, the cause of ignition being ascribed to the caretaker's habit of smoking in bed. Whilst sympathising with you in your loss, I find, on reference to my lease, that I am under covenant to reinstate them as speedily as possible. As I particularly wish to avoid any unpleasantness with my Lessors, may I ask you to proceed with the work at once?

   Yours faithfully,

   The Secy.,

    Hy. Jones.

   The Vesuvius Insce. Co.

    Sir

   ,—I am in receipt of your letter of yesterday, which has been handed to the Claims Department. I recollect that in a former letter you adverted to an existing policy with the Etna Office, and as that office will be liable to contribute a share of the moneys covered by the double insurance you are required to furnish particulars of the policy.

   Yours truly,

    D. Smith

   , etc., etc.

    H. Jones

   , Esq.

   Dear Sir,—I enclose, as requested, particulars of my policy with the Etna. For my own part, I do not quite see how it will help you, since, profiting by your advice, I succeeded in obtaining a part rebate of premium—thus, I apprehend, releasing the risk. But no doubt you know best.

   Yours very truly,

   The Secy.,

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