It’s compatible...the Bible is full of stories and parables about people being punished for their own lack of judgment. The Christian thing is not to expect something for nothing. True Christians would come to help this gentleman after the fact. Since according to the story he was fully covered by insurance he only lost the personal items that can’t be replaced so should require little help!
Making sure the FD wouldn't put out the fire so that he could collect the full amount on the house , because he refused to pay the bill, is just a coincidence.