Did you read about the Ant and the Grasshopper?
Why does the FD have to save a house, of someone who has refused to pay for the service? Do you run into your insurance company after your home has flooded - and demand that they take your $150 check and retro-actively cover you? Do you total your car, then demand that your insurance company take a premium check for a policy to replace your car?
If the FD were to save his home, why would anyone continue to pay the annual charge?
They don’t have to, but, along with many others, I feel they should have tried. Since it’s done yearly, all they have to do is change the contracts with what they want, and what they need to cover this sort of situation.