My husband's ancestor, James Ayer Smith, arrived in Chicago in the spring of 1835 with plans to open a hat and cap store, and in August of that year, his father sent him a letter with some very detailed advice on how to succeed. In closing, he wrote, "There has been a heavy fire at Cleveland & I hope you will not fail to have insurance made on your stock immediately to the full amount Your affectionate Father Chas. Smith." James appears to have taken that advice. When he lost business property in a fire in 1857, he received a $3000 settlement, with payments shared by six insurance companies. And in 1871, when The Chicago Fire hit, he was once again well insured. For example, James A. Smith & Co. had a policy from Washington Insurance Company purchased in August, 1871 in force through November of the same year "against loss or damage by fire ... on Furs manufactured or unmanufactured, also on Wearing Apparel manufactured in whole or in part of Furs or manu
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