>>It sounds like they responded. They just didn’t do anything. Have to be pretty desperate for a $75 fee to use this approach.<<
I hate to sound callous, but think of this more on the order of flood insurance. If a flood happens and you didn’t get around to buying flood insurance, you can’t really get mad at the Allstate guy.
I am sure the FD showed up to keep it from spreading.
You get what you pay for. In this case zero buys a lot of nothing, just like in real life.
You can't stop a flood, and you can't contain the flood to just your house.
They should have gotten ObamaFire. Force everyone to buy fire insurance, because people are irresponsible and can't be trusted to do the right thing, so the lazy force everyone else to pay more. < /sarc>
-PJ