re: #223 RogueOne

If they have insurance it will come down in favor of the homeowner, they have a contract that says “if your house burns down, we’ll pay for it”. They didn’t contract with the city for fire protection therefore their house burned down.

Something else no one considered yesterday, the cost of insurance to the FD. If they had responded to a fire they weren’t contracted to handle and someone got hurt then who says their insurance company would be obligated to take care of the firefighter? Earlier this year a volunteeer FD in Indiana rescued a man who had fallen in a well and they were charged $1500 for their trouble by OSHA.

Yes, but it could be argued that the homeowner didn’t practice due diligence to protect the house (by not paying the fee)

I doubt an insurance company would pay off on a home that got blown up because you had a meth lab in the basement