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February 14,1974 PHOENIX Page 7X^,Xv/Xv;vi%u2019'w!v;wVvvXyX:XyXvXv!v!v!yA New Insurance ProgramGeared EspeciallyTo BrownstonersA new package insurance program is being made available to owners of Brownstone homes by The Brownstone Agency, Inc., a division of Murphy & Jordon, that promises to relieve homeowners of some of the most common problems that conventional insurance policies cause for owners of city row houses.One of the important features of the program is the treatment of co-insurance in the Fire Section of the package policy. This clause, because of confusion as to its meaning, has often penalized property owners over the years. Instead of collecting losses in full, only a percentage of their claim is paid.In standard form, the clause requires policyholders to insure on the basis of the value to repair or replace with like kind and quality ... For suburban dwellings this usually presents less of a problem inasmuch as construction there is relatively new and replacement value is easier to determine within an acceptable range. For Brownstone owners determining such value has to be a nightmare. Who knows the replacement value on a Brownstone?Other attractive features of the new contract include Water Damage and Sprinkler Leakage Coverage, not only for damage to the building and owned contents, but for Legal Liabilitythe event of a claim.Failure to comply with this clause can make the owner a coinsurer, meaning, for example: if $80,000 is carried in insurance at 80 per cent co-insurance and if the loss adjuster finds the replacement value to be $200,000 the owner can collect only 50 percent of any adjusted loss.To help the Brownstoner avoid this kind of situation, the new policy will offer an %u2018%u2018Agreed Amount Clause%u201d , whereby the company and insured \advance that the amount of insurance carried is adequate. It will eliminate any chance of squabble over the valuation of the building after the loss occurs and any co-insurance penalty inclaims resulting from damage to property of others including tenants. The new policy will cover his personal liability as well as his liability as a landlord. Additional living expense coverage is available. This applies in the event the owner%u2019s apartment is made untenantable due to an insured peril in which case recovery is based on the reasonable cost to rent substitute quarters in the event of loss.A specially designed %u2018%u2018All Risks%u201d form is available for building and owners contents to meet the exacting demands of Brownstoners. Full replacement coverage applies to stained and etched ornamental glass. The policy provides as basic coverage a public liability limit of $300,000 for protection in the eventuality of a claim, with higher limits available if desired. Burglary and Theft coverages are available under the Federal Crime Insurance Program at rates that are competitive. A special feature of this Federal program is there is no limitation up to the policy limit for loss to Jewelry and Furs.The new Brownstone program has been designed taking into consideration the unusual efforts expended in revitalizing not only the city but Historical Landmark Housing in Brownstone areas. This consideration is reflected in the attractive rate levels that the program offers to Brownstoners. The program is available to house-proud people who are maintaining their Brownstones in a manner that is consistent with the definition of a \The Underwriting Company for the new coverage is the Insurance Company of the State of Pennsylvania, one of the oldest insurance companies in America and a member company of the American International Group. Premium financing offering monthly payments is available through AICCO (American International Credit Corporation) another AIG member company. The program is handled by: The Brownstone Agency, Inc., A. Division of Murphy & Jordan, Inc., I l l John Street, New York, New York 10038, WO 2-5620.%u2014 Herb FolvvellUrban Task ForceNeeds Survival $$To the Editor:As you know, the Mayor%u2019s UrbanAction Task Force, headed by SamAzadian, depends solely on theAnnual Ball and on contributionsfor financial support. It is throughthis type of funding that we areable to pay rent and other expensesat our Fourth Avenue office. Wenow have enough money left toremain open approximately fivemore weeks. I do hope that you canfind room in the PHOENIX to printeither the attached letter or asummary of it. Next Monday sucha letter will sent to the members ofour community with the hope thatthe response will result in the TaskForce%u2019s survival. We would reallyappreciate your help in thismatter.Ken ArbeenyCommittee to SaveThe Task ForceDear Friends,Since 1967 the Mayor%u2019s UrbanAction Task Force has redefinedthe meaning of government for thecommunities of Boerum Hill,Brooklyn Heights, Carroll Gardens, Cobble Hill, DowntownBrooklyn, Gowanus, Park Slope,fled Hook, South Brooklyn, SunsetPark, the Waterfront, and WindsorTerrace. It has acted as the neighborhood liason between thesecommunities and the city agenciesthat work to serve and maintainour area.In the past seven years the TaskForce has responded to the immediate needs of communityresidents. It has made sure thatthings such as abandoned lots are.nl ----A ----------1 t i V M i iv u M*IU t i l l * W W l/%u00abiiU V /U V ,Ubuildings are cinder blocked. Inaddition to acting as a place thatone could register complaints orproblems, it has supplied MobileUnits to neighborhood groups; hasmaintained the office as an outletfor Senior Citizen Reduced FareRegistration and an informationcenter for jobs, the SupplementarySecurity Income Program, playstreets, and drug counseling. It hasaided in the effort to organize themany Block Associations.The Task Force has also taken oncommunity wide problem solvingthrough its role in the DistrictService Cabinet. It is now employing solutions to deter vandalism and stop drownings at ourthree neighborhood pool facilities.It was the Task Force that soughtthe coordination and consent of thecommunity in regards to theSeventh Avenue Mall. And finally,we must mention the valuableservice that the Task Force%u2019sCommunity Directory has supplied.If we are to continue to operateout of our office at 46 FourthAvenue we must depend upon yourcontributions. We believe that it isessential, as your kind letters ofsupport have indicated, to functionuntil we hear of our status with theNew Administration. In order thatwe pursue such a course, it is thepurpose of this letter that we appeal to you for a financial contribution, however small, so thatwe do not have to close our office inone month%u2019s time. Let%u2019s not let thework of Sam Azadian go to waste.Please, let%u2019s not let the Task Forcedie.Sincerely,Ken ArbeenySend contributions to Committeeto Save the Task Force, 46 FourthAve., Brooklyn 11217.C a t C o - o p ?To the Editor:Being the co-owner of threefamished kitties I have Keendutifully trudging aboutpurchasing cat food here-thereand-everywhere in BrooklynHeights. Alas, the cost of feedingpuss-palates has risen drastically.In desperation, I widened thesearch to areas outside Bklyn. Hts.and, lo and behold! A store existswhere cat food is sold by the case(at a substantial saving over storecosts).I would like to get some catlovers together and start a cat-foodcommune-(as the shop also catersto dogs%u2014dog owners can bark uptoo.)Let%u2019s get together' and feed ourpets at a reasonable co st!!!Contact me.PhilGelman60 Remsen St.Tel. 596-1287Urges FreeTransfersTo the Editor:I applaud your editorial ofJanuary 17, 1974 calling for a freetransfer system between bus andsubway.I am deeply committed to atetter system of public transportation in our city. Last year Iintroduced legislation which wouldhave provided for such a freetransfer system. The failure topass this bill was due in large partto the opposition of New York City,which claimed a huge loss inrevenues would result. I believethat such a loss would not occur,because of a predictable increasein those who would use publictransportation rather than theirown automobiles.I also introduced legislationwhich would have allowed allpersons 65 years and older to ridetotally free on both buses andsubway. Again, opposition fromN.Y.C. helped keep this bill incommittee. Perhaps the fact thatcategory will help change the viewfrom City Hall.I have reintroduced both thesebills in the 1974 session. I urge allthose who believe that an improvedtransit system is vital to supportthis legislation by expressing thisview to their local assemblymanand to the Mayor%u2019s office.Vprv trulv vnnrcMichael L. PesceMember of AssemblyRenew FultonTo the Editor:In your 2-7-74 issue your Lettersto the Editor column carried aletter discussing the proposedrenovation of the Fulton FerrySouth Street Seaport areas. While Iam delighted to see that other arearesidents share my hopes%u2014thatNew York can undertake a renewalsimilar to that effected with superbtaste in San Francisco%u2014I'm a bitdismayed at the writers conclusion.Unless I%u2019ve mis-read the letter inquestion it appears they%u2019restressing the import of the SouthStreet renewal with only atangential mention of %u2018other partsof New York City%u2019 benefiting fromsuch undertakings. Surely, our ownFulton Ferry area is deserving ofsuch a renewal. Certainly a lowkey and tasteful version of SanFran%u2019s, triumphs along theirwaterfront deserve serious studyfor applicability right here inBrooklyn.To the Editor:Noting City Councilman FredRichmond's letter in the January31 issue of the Phoenix leads me tomake these points:pressed our gratitude to thePhoenix for its editorial supportand news coverage of BoerumHill%u2019s need to be served by a singlepolice precinct. Let me do so now.2. Mr. Richmond is correct inthat both Senator Bellamy andAssemblyman Strelzin havesupported this position and still do.It should also be noted thatAssemblyman M8ke Pesce, whosedistrict includes a small piece ofFerryIf money can be secured torestore South Street to its formerglories, surely equal funding couldbe found for our%u2014equally attractive-end of the Ferry%u2019s run.(Will we see the Fulton Ferryrestored this year as noted in yourearlier stores?)An attractive recreational areawith several authentic shops andmoderately priced eateries adjacent to Brooklyn%u2019s Ferry terminal would probably become amajor attraction for locals andtourists. It%u2019s about time thatBrooklynites began demandingthat we receive a fair share of the%u2018action%u2019!Sincerely,Elane FeldmanCadman TowersEditor's Note: Better check theoriginal letter, but we appreciateyour commentsBoerum Hill, has also gone onrecord in our support. BoroughPresident Leone has also indicatedat least interest and generalsupport on this issue.3. Our COiiCeiu, therefore, is inanother area. I have the impression that the policemanagement views this issue as ageneral nuisance, to be treated, ifat all, in an apathetic manner. Ihave reason to believe that thestudy of our proposal, which was tohave begun last fall, did not in factbegin until after Councilman Richmond demanded to see the reportjust a few weeks ago. And the onlyContinued on Page 14O U T n o w Mavnr f o i l s ; i n t o t h i s a e ro i we nave nui vt*i pUDiiciy t*xBoerum Hill Seeks1 Precinct Coverage