And the next year, NO ONE pays the $75 (opting to take their chances) and the FD goes bankrupt, sells the Fire Engine and now NO ONE has access to a FD.
On a personal note; I received a FREEPMAIL that stated that the Fire Department’s insurance carrier does not provide coverage to Firemen working on non-covered homes. Need to check that one out ... but this is a very KEY issue that the paper surprisingly didn’t bother to include.
No. The guy whose house burned wouldn't have gained anything... he would have been out several thousand dollars, plus the damage to his house. It's still a serious hit; it's just not a total loss.