We are starting to see a return to the nation's roots where you contract with a company to put out your house fire. In this case it was a pubic fire department whose jurisdiction was the village not the county but they would cover you for $75. Short story guy's house catches on fire the fire department watches it burn to the ground and intervenes when the neighbor's land catches fire (in the village). This is how it was in the early days even the outcome (the neighbor's land catching fire). There were some spectacular failures of this system like the Chicago fire which pretty much led to the formation of publicly supported firefighting across the nation. I guess what is old is new again. I wonder how long the experiment will last this time?
On a side note, I will speculate that insurance won't cover the loss because the home owner didn't do anything (contracting with the fire department) to prevent a total loss of the home.