Legalities in Paying the Rural Metro Fire Department
As a career firefighter for a municipality, I am asked the question of whether or not to pay the Rural Metro Fire Department (RMFD, a private corporation) their annual fee for service often. Until recently, I answered that as long as your insurance carrier stated that you have fire coverage, you need not pay additionally to anyone else. This is based upon a few insurance agents that have said the same thing. I heard rumor that recent legislation and behind the scenes deals within the Insurance Industry and the RMFD should now change this stance. Based upon this, it is possible that if a home burns down, the insurance provider would only pay for rebuilding it and NOT the cost to put the fire out (which could easily be $20000 or more with RMFD). If this is controversial, I am sorry. If you think that I am completely whacked, well, I am posting the question to get more reference in researching a correct answer.
While I have your attention, does anyone know how RMFD charges (if at all) when a municipality is called a fire in their area via a pre-existing mutual aid agreement? I have heard that it is legal for RMFD to charge the same fee even if another fire departments equipment and manpower are used.