Quote:
Originally Posted by 20Camaro11
growing up in rural Pennsylvania, it seemed to me the only thing the VFD ever accomplished was saving the basement. After the fire burned out, the only thing left was a basement. Without public sewage (hydrants), the tankers would run out of water after 10 min and have to leave to find the nearest water source. If it was winter, the ponds and creeks would be frozen over, so you were SOL anyways. Adjacent towns and their VFD's would respond too, but now you looking at 30 min ETA's. Fires become fully involved in matter of minutes, so I understand the reluctance to pay for a service that often doesn't (CAN'T) do much to save your property. I am sure some homes were saved, and they were very good at putting out quick brush fires and such, but most house fires were significantly more damaging in the country than in the city. So is it worth $75 a year to have a VFD come save your basement? I think so, but lets not pretend its crazy to not pay for this coverage. Keep that homeowners policy current, and all is well.
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Negative on that one. Homeowners policy contracts have a requirement for fire service of some sort, except for certain contracts specifically written (and charged more for) for areas where there can be no viable fire service. If you live in a place that has it, and they find you didn't pay the tax or fee and were denied service, your policy can and easily will be denied.