AMEN brother! To prevent this, the insurance carrier should pay these fees and bill the insured for them…just like taxes. It’s unfortunate but you can’t pay for coverage after a covered event, otherwise nobody would buy it ahead of time.
I agree with Pat, too. They didn’t pay, so they didn’t get the service. No life was in danger, only property. And, the person “forgot” to pay the fee. How many insureds claim the same thing, or that they never got the bill. We know how inaccurate that is. This is a pay-in-advance service. Paying afterwards is an unsustaining method.
Why dont they take that fee out of the property taxes each year and give it to the Obion county to cover their fees. This is stupid to leave it up to the individual, it is an emergency service for heavensake. Or do they not pay property taxes in that county? They pay for some governmental service, tack it onto that.
Understanding the issue about paying for insurance after the fact, but I have firsthand knowledge of Carriers making exceptions. Our agency had an insured for 8 years with the same carrier, and when the husband suffered a heart attack and the wife overlooked the premium payment the carrier paid the claim due to the circumstances. Another case was an insured had made their payment 27 times in a 30 month timeframe after cancellation. The carrier paid the claim.
Pat- I agree with you but this is an emergency service. Everyone should have access to it, also most homeowners policies (all that I know of ) pay firefighters services. I can guarantee you the insurance company would have gladly paid to minimize the damage done to the home. Firefighter/Paramedics also serve as emergency responders to 911 medical calls..are they going to stand there and watch someone die because they didnt pay $75. Come on! I am a strict conservative but I believe that everyone deserves access to emergency services no matter what.
I thought homeowners policies have a sub limit of $500 to pay fire dept fees after a fire. I could be wrong as I write business insurance & not homeowners.
A fire is a safety hazard so it should not matter whether they paid the fee before or after the fire. This situation has no comparison to buying insurance before a fire starts especially if the fire dept could have billed the insurance company for their expense.
The Cranicks are amazing people for being so forgiving of their public servants for standing there allowing the pets to suffer & die, & watch all their memories burn to ash. I would not be so forgiving.
The fire dept had set precedent when they put out the chimney fire when the Cranicks had not paid the fee. Lawyers are going to be all over this one. The mayor should fire the fire chief.
If someone’s life was at risk, then emergency services should be provided and the cost of the service should be billed afterwards. Nothing in the article indicated this was the case, and although unfortunate, loss of the property is not an emergency. The service was not paid for and was not provided. Perhaps this insurer should require proof of payment of the annual fire service fee before renewing policies in areas like this.
If I was a subscriber to the fire service, and the the fire department fought a fire for a non-subsciber, I would file a law suit against them and undoubtedly win it. If you want the service, you pay for it. If the fire dept is fighting a non-subscriber fire when a subscriber needs them, then they are in far more trouble than if they ignore the non-subscriber. Having a warm and fuzzy attitude about it doesn’t pay the piper.
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AMEN brother! To prevent this, the insurance carrier should pay these fees and bill the insured for them…just like taxes. It’s unfortunate but you can’t pay for coverage after a covered event, otherwise nobody would buy it ahead of time.
I agree with Pat, too. They didn’t pay, so they didn’t get the service. No life was in danger, only property. And, the person “forgot” to pay the fee. How many insureds claim the same thing, or that they never got the bill. We know how inaccurate that is. This is a pay-in-advance service. Paying afterwards is an unsustaining method.
I run across idiots everyday but none quite as stupid as you.
Why dont they take that fee out of the property taxes each year and give it to the Obion county to cover their fees. This is stupid to leave it up to the individual, it is an emergency service for heavensake. Or do they not pay property taxes in that county? They pay for some governmental service, tack it onto that.
Well, guess it doesn’t matter now… if you can’t pay, then burn.
Reminds me of a line from a book I once read “…and the worm unable to find any more victims, began to consume itself…”
Understanding the issue about paying for insurance after the fact, but I have firsthand knowledge of Carriers making exceptions. Our agency had an insured for 8 years with the same carrier, and when the husband suffered a heart attack and the wife overlooked the premium payment the carrier paid the claim due to the circumstances. Another case was an insured had made their payment 27 times in a 30 month timeframe after cancellation. The carrier paid the claim.
Pat- I agree with you but this is an emergency service. Everyone should have access to it, also most homeowners policies (all that I know of ) pay firefighters services. I can guarantee you the insurance company would have gladly paid to minimize the damage done to the home. Firefighter/Paramedics also serve as emergency responders to 911 medical calls..are they going to stand there and watch someone die because they didnt pay $75. Come on! I am a strict conservative but I believe that everyone deserves access to emergency services no matter what.
I thought homeowners policies have a sub limit of $500 to pay fire dept fees after a fire. I could be wrong as I write business insurance & not homeowners.
A fire is a safety hazard so it should not matter whether they paid the fee before or after the fire. This situation has no comparison to buying insurance before a fire starts especially if the fire dept could have billed the insurance company for their expense.
The Cranicks are amazing people for being so forgiving of their public servants for standing there allowing the pets to suffer & die, & watch all their memories burn to ash. I would not be so forgiving.
The fire dept had set precedent when they put out the chimney fire when the Cranicks had not paid the fee. Lawyers are going to be all over this one. The mayor should fire the fire chief.
If someone’s life was at risk, then emergency services should be provided and the cost of the service should be billed afterwards. Nothing in the article indicated this was the case, and although unfortunate, loss of the property is not an emergency. The service was not paid for and was not provided. Perhaps this insurer should require proof of payment of the annual fire service fee before renewing policies in areas like this.
If I was a subscriber to the fire service, and the the fire department fought a fire for a non-subsciber, I would file a law suit against them and undoubtedly win it. If you want the service, you pay for it. If the fire dept is fighting a non-subscriber fire when a subscriber needs them, then they are in far more trouble than if they ignore the non-subscriber. Having a warm and fuzzy attitude about it doesn’t pay the piper.