Tennessee Tragedy: Family Had No Fire Service But Had Some Insurance

October 5, 2010

  • October 6, 2010 at 3:39 am
    Ned says:
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    The difference is that in this locality there is no FD service. The FD is from the nearby city, not the county outside the city where this house was situated. This homeowner did not pay taxes for fire protection and did not pay the required fee to get the city’s FD protection.

    Police services are likely provided by county or state officials. If you live in the burbs, you don’t call the city PD. You also don’t call a private security company which you have not subscribed to.

  • October 7, 2010 at 3:41 am
    Dasfuk says:
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    Being involved in a number of fires with animals inside, they most likely died from smoke prior to the fire ever getting to them.

    Doesn’t really make you feel any better…just a fact.

    As far as the incident…reports state that the home was a double wide trailer. Anyone that knows anything about trailer fires..they burn quick and are usually not saved. So Mr. Cranick called 911 and they denied service (at this time it was a fire in his yard). So when did the FD get to the scene once contacted by the neighbor who paid for the service? How much of the Cranicks house was on fire? From reports, the house was already on fire once the fire department arrived for the neighbor. I never saw a trailer saved once it was on fire. They are so economically built and with so much plastic there is really no saving them.

    Then there is the question of the pets. Some reports I read state that the fire burned in the yard for about 2 hours from the time Cranick called 911 to the time it got to the house. You couldn’t get the animals out in that time. Say it was only 15 minutes…you are saying they couldn’t get them out?

    As far as the subscription service. There are a lot more of these then people mention. For insurance purposes…this is a step above of not having a fire department as they are usually more then 5 miles away and water has to be hauled.

    Why I do feel for these people, how do you forget to pay a fee to protect your house. They were called and sent a letter by the city and rejected both requests.

    I also agree there is a better way to handle this. Fire departments cost a lot of money to maintain. Where is that money going to come from to start a new one in this area or make the city’s department larger to protect a poriton of the county. Myself, I live in a township with a decent fire department with 5 stations. The local city is trying to annex the poriton of the township where we live and this was put on last years ballot. I choose to vote against it as I didn’t want to pay the city’s taxes. Now I made a decision and if our fire department goes down hill, I have no one to blame but myself.

    Finally, with all of the back and forth name calling. People who understand the pay to play and defend it are not cold hearted. They are looking at it from a technical stance. Those who look at this from a compassionate side, I understand that too. People don’t normally want bad things to happen to people…except if they are really really bad people… This is not a Republican, Democrat or Tea Party thing…. This was a system put in place by this city and the local county residents…you want service pay us. If you opt not to pay us we can assume you do not want our service and management our budget accordingly.

  • October 6, 2010 at 3:43 am
    Ned says:
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    One more thought … the FD was on site to protect against a potential brush fire which is part of their duty to the city as that could spread and impact the city.

  • October 6, 2010 at 3:49 am
    Lisa K says:
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    Sir, I respectfully take issue with your broad-brush attacks. There are some areas that are definitely government domain, and others that are not.

    While I would definitely argue in favor of government services which protect and enforce laws, and protect the general welfare of the people in more specific ways, that does not mean the government has a responsibility to care for everyone from cradle-to-grave.

    There is no one-size fits all here, and I think the argument of public good can definitely be made for fire protection — not so much for tax-payer funded pornography, and other things.

  • October 6, 2010 at 4:01 am
    Kevin L says:
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    Oh, right, I forgot. Government has been doing such a great job running things. And let’s not forget how great our schools are doing. Thanks for reminding us.

  • October 6, 2010 at 4:06 am
    Kevin L says:
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    Let’s see. Between my three brothers in the FDNY, they have over 50 years experience. They’ve never been called to save a cat from a tree and they haven’t sworn an oath to risk their lives to save pets. Regardless how valuable a pet is to its owner, it’s not worth risking a human life to save it.

    Your PD argument doesn’t work. You’re paying taxes for police protection, so they respond. No where did it say if human lives were in peril the fire dept would have stood by.

  • October 6, 2010 at 4:26 am
    Pat says:
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    Kevin, I agree. My dad was also FDNY and I understand first hand the dangers (he was disabled after a roof collapsed on him in a fire). To others, let’s not forget that the South Fulton FD is not obligated to even offer this service outside the city limits. If this wasn’t a pay option and the same thing happened, would you still expect them to go put out this fire?

  • October 6, 2010 at 4:31 am
    Lisa K says:
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    Yes. Because they set up a precedence of doing it before. There was no other fire at the time, preventing them from acting here. If the precedence had been different (in other words, they had always let homes burn regardless before), I would argue no. But this situation is akin to the fire chief flipping a coin and saying… “tails, you lose.”

  • October 6, 2010 at 4:32 am
    Kevin L says:
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    I agree, Pat. Seems the Fulton FD would be better off (from a liability stand) to not offer this service to those outside their district.

    Sorry about your Dad. It’s a dangerous job and they are way underpaid for the risk.

  • October 6, 2010 at 4:33 am
    jc says:
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    I am shocked and truly dissapointed by the comments of many so called insurance professionals. If we gave away coverage to everyone for free there would be no industry. I am so tired of everyone spending my money.
    I do not want to pay to rebuild your home along the mississippi. I don’t want to subsidize your premium for your coastal home. I do not want to pay for your fire protection.
    Grow up and stop putting your hand out.



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