According to the definitions of character adopted by the association of Lake underwriters at Buffalo, (see March number, vol. 3 page 440,) the “model” is to be taken into account—an important element in the calculation. They provide that “no vessel past six years old, however well rebuilt or repaired, shall be placed in class A, nor one that is oversparred, or hogged, strained from loading, launching, or other cause.”
Source: wiktionary