Failure to take an inventory,1 or to make proof of loss,2 or to have appraisers make a finding as to the amount of the loss,3 as required by the terms of the policy as a condition precedent to recovery defeats recovery thereon. A contract of insurance in a fraternal association may require the insured to exhaust the remedies afforded by the tribunals of the association before resorting to litigation.4

1 Morris v. Davis, 83 Va. 297; 8 S. E. 247.

2 Bank v. Sturdee, 32 N. B. 398; Ware v. Allen, 128 U. S. 590.

3 Flynn v. Dougherty (Cal.), 26 Pac. 831.

4 Connolly v. San Francisco (Cal.), 33 Pac. 1109.

5 Olson v. Viroqua, - Wis. -; 99 N. W. 326.

1 Boylan v. Ry., 132 U. S. 146; Edwards v. Ry., 81 Mich. 364; 21 Am. St. Rep. 527; 45 N. W. 827; Bowers v. Ry., 158 Pa. St. 302; 27 Atl. 893; Bethea v. Ry., 26 S. C. 91; 1 So. 372; Russell v. Ry.. 12 Tex. Civ. App. 627; 35 S. W. 724.

1 Southern Fire Tns. Co. v. Knight, 111 Ga. 622; 78 Am. St.

Rep. 216; 52 L. R. A. 70; 36 S. E. 821.

2 McCormack v. Ins. Co., 78 Cal. 468; 21 Pac. 14; Brock v. Ins. Co., 96 la. 39; 64 N. W. 685; American Central Ins. Co. v. Hathaway, 43 Kan. 399; 23 Pac. 428; Fuller v. Ins. Co., 184 Mass. 12; 67 N. E. 879; Cook v. Ins. Co., 1S1 Mass. 101; 62 N. E. 1049; Woodmen's Accident Association v. Pratt, 62 Neb. 673; 89 Am. St. Rep. 777; 55 L. R. A. 291; 87 N. W. 546; Union Ins. Co. v. McGookey, 33 O. S. 555; Niagara Ins. Co. v. Lee, 73 Tex. 641: 11 S. W. 1024.

3 Hamilton v. Ins. Co., 137 U. S. 370; Vincent v. Tns. Co., 120 la. 272; 94 N. W. 458; Zalesky v. Ins.