If you won't pay your $35 a year, what is supposed to make me think you can afford the $4000?
In other words, I loan you $35 and you won't pay it back then you turn around and expect me to loan you $4000. Doesn't make sense.
And besides, it was $20 that our rural fire department requires us to pay.
The bill would be a lien on the home, and if the home is red tagged and not repaired while sitting in a neighborhood, then the place will be taken and sold so the property would not become a ghetto.
I don't know how a state would handle a burned down home in a rural area of perhaps a farm.
The poor have the same rules here, but if they are renting, their landlords handle the fees to protect the property.