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Discussion Starter · #1 ·
Not sure where this post should go, but I'm curious if people live in jurisdictions where you are expected to pay for a portion of the fire fighting services.

Apparently in Beaver County, Alberta, a couple decided to call off the fire fighters after 24 hrs of fighting a fire because the bill was going up. At the end, the invoice was $62k, with the insurance only covering $10k.


I remember hearing about California having private fire fighter services, but didn't realize we had that in Canada.

Seems kind of short sighted, particularly if we're talking about a wooded area where there could be a chance that the fire gets really bad.
 

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That's crazy. Firstly, that they have that policy there. At least, the firefighters won't leave unless they feel the situation is under control. But I imagine it will make it much less likely for homeowners to actually call in the first place, fearing the costs.

Secondly, the fact that their insurance wouldn't cover the whole cost is mind-blowing. Surely it would be cheaper for them to cover the cost for firefighters vs the replacement cost of the burned thing, in general?
 

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Discussion Starter · #3 ·
That's crazy. Firstly, that they have that policy there. At least, the firefighters won't leave unless they feel the situation is under control. But I imagine it will make it much less likely for homeowners to actually call in the first place, fearing the costs.

Secondly, the fact that their insurance wouldn't cover the whole cost is mind-blowing. Surely it would be cheaper for them to cover the cost for firefighters vs the replacement cost of the burned thing, in general?
I imagine that the house was already a write off at that point, and paying for more fire fighter time was pointless as far as the house is concerned. The hesitancy could be a problem... similar to people not wanting to call for an ambulance because they don't want to pay the fee.

But overall, it was a strange situation, so just wondering if others heard of something similar.
 

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Not sure where this post should go, but I'm curious if people live in jurisdictions where you are expected to pay for a portion of the fire fighting services.

Apparently in Beaver County, Alberta, a couple decided to call off the fire fighters after 24 hrs of fighting a fire because the bill was going up. At the end, the invoice was $62k, with the insurance only covering $10k.


I remember hearing about California having private fire fighter services, but didn't realize we had that in Canada.

Seems kind of short sighted, particularly if we're talking about a wooded area where there could be a chance that the fire gets really bad.
Sounds like a 3rd world country TBH
 

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I imagine that the house was already a write off at that point, and paying for more fire fighter time was pointless as far as the house is concerned. The hesitancy could be a problem... similar to people not wanting to call for an ambulance because they don't want to pay the fee.

But overall, it was a strange situation, so just wondering if others heard of something similar.
In this case that may be (it was hard to tell from the article), but I meant more as a general rule, one would expect the payoff to the insurance company to pay for firefighting would be worth the savings in payout for replacement costs. If they have a firm policy that they only pay 10k of firefighting costs, they might be inadvertently costing themselves money.
 

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There is no fire service where I live so my insurance is $400 or $600 higher than it would be otherwise.
 

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Not really, they got the service they paid for.
Only in the imaginary land of nonsensinomics do you get things for free.

Every area charges for fire service if they have it.
Here it's 9.8% of property tax.
Most countries Police, Fire, Hospital are covered by government through taxes. But in a lot of 3rd world shitholes, you gotta pay for fire, police separately.
 

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Most countries Police, Fire, Hospital are covered by government through taxes. But in a lot of 3rd world shitholes, you gotta pay for fire, police separately.
Well yes, but here in Ontario and it's municipal, and the coverage differences depending on the service they pay for.
 

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I had just read about this privatization of firefighting last week and this quote stuck in my mind:"
"SOCIALISM IS WHEN THE FIRE DEPARTMENT ARRIVES.... CAPITALISM IS WHEN THE INSURANCE COMPANY WON'T PAY."
 
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