Firefighters Watch As House Burns Down

The Obion County, Tenn. family whose home burned on Sept. 29 while firefighters watched from their truck has insurance to payoff their mortgage but not enough to cover everything lost or to rebuild, according to the family and their insurance agent.

The fire chief of the nearby city of South Fulton refused to put out the fire that took the home of Gene and Paulette Cranick because they were not on the list of property owners who had paid the $75 annual subscription fee for fire protection services. Property owners outside the South Fulton city limits must pay a fee if they want the service; the county does not offer fire service.

Paulette Cranick said they had been away and forgot to pay the fee this year but have paid it in years past. The Cranicks have lived on the farm for 40 years, 21 of them in the modular home that burned.

The family has coverage with Farm Bureau Insurance through local agent, Josh Simmons, who raced to the scene of the fire as soon as he learned about it. Simmons says the insurance company would not refuse or reduce payouts on the fire loss just because the fee has not been paid. Neither Cranick nor Simmons would confirm the amount of the policy.

"It's not enough to rebuild but it's better than nothing at all," said Paulette Cranick.

The home reportedly caught fire after a trash-burning fire started by the Cranicks' grandson grew out of control. The Cranicks said they called 911 but the fire department from the South Fulton city fire department would not respond because they were not on the list of subscribers.

The firemen only acted after the Cranicks' fire spread to an adjacent field. They are required to respond to brush fires, according to Simmons. But that did not help the Cranicks.

"It [the Cranicks' home] could have been saved, no doubt," said Simmons.

Simmons said he knows of one other time this has happened. He said the insurance policy has a provision for a reduction in payouts if a fire protection service has not been subscribed but that the insurer has not enforced that in these situations.

The Cranicks said they also forgot to pay their fire service fee on time about three years ago. But the fire department then did not hesitate to put out a chimney fire and let them pay the fee the next day.
Tennessee Tragedy: Family Had No Fire Service But Had Some Insurance[/QUOTE][/QUOTE]

So he under insures his property, doesn't pay his fire protection fee AND doesn't have trash removal service. Burns it.
 
Now that personal responsiblility is a dinosaur, what's next?

Did the man pay his property taxes? If so, wouldn't he being paying the salaries of the people who decided his house shouldn't be saved. The people didn't vote this policy in, city leaders did. The man owned a home, which he paid taxes on, he probably owned a car, that he had to pay taxes on. I don't give a shit about the $75. If he is paying the elected officials salaries, they shouldn't be letting his house burn down. How does the Fire Chief get paid? I am guessing through tax dollars.
You should also ccheck out the Obrion County home page. They mention something about protecting ALL people when it comes to emergencies. I guess they didn't really mean that.
 
Now that personal responsiblility is a dinosaur, what's next?

Did the man pay his property taxes? If so, wouldn't he being paying the salaries of the people who decided his house shouldn't be saved. The people didn't vote this policy in, city leaders did. The man owned a home, which he paid taxes on, he probably owned a car, that he had to pay taxes one. I don't give a shit about the $75. If he is paying the elected officials salaries, they shouldn't be letting his house burned down. How does the Fire Chief get paid? I am guessing through tax dollars.
You should also ccheck out the Obrion County home page. The mention something about protecting ALL people when it comes to emergencies. I guess they didn't really mean that.



He doesn't live in the city that funds the fire department. He lives in an unincorporated part of the county. His property taxes do not support the fire department - which is why he has the $75 per year fee to opt in for service.
 
So the man forgets to pay one year, but has paid every other year, and they let his home burn down? Nice
 
Now that personal responsiblility is a dinosaur, what's next?

Did the man pay his property taxes? If so, wouldn't he being paying the salaries of the people who decided his house shouldn't be saved. The people didn't vote this policy in, city leaders did. The man owned a home, which he paid taxes on, he probably owned a car, that he had to pay taxes on. I don't give a shit about the $75. If he is paying the elected officials salaries, they shouldn't be letting his house burn down. How does the Fire Chief get paid? I am guessing through tax dollars.
You should also ccheck out the Obrion County home page. They mention something about protecting ALL people when it comes to emergencies. I guess they didn't really mean that.

His property taxes didn't cover a service offered by a city for a fee. So no, he wasn't paying their wages. Your argument is not founded in fact. An unprepared lefty, I so shocked. :lol:
 
So let us privatize everything. You pay for police protection, fire protection, for the right to drive on a private road. Then you lose your job. No unemployment, of course, no health insurance, and if you get sick, you have the choice of paying for medicine, your rent or mortgage payment, or your insurances on all of the things that we have taken care of with a socialistic system in the past.

You people here are one great advertisement for socialism.
 
Now that personal responsiblility is a dinosaur, what's next?

Did the man pay his property taxes? If so, wouldn't he being paying the salaries of the people who decided his house shouldn't be saved. The people didn't vote this policy in, city leaders did. The man owned a home, which he paid taxes on, he probably owned a car, that he had to pay taxes on. I don't give a shit about the $75. If he is paying the elected officials salaries, they shouldn't be letting his house burn down. How does the Fire Chief get paid? I am guessing through tax dollars.
You should also ccheck out the Obrion County home page. They mention something about protecting ALL people when it comes to emergencies. I guess they didn't really mean that.

They most definately do not mean that. Like all Conservatives, their primary purpose is the preservation of the wealth of the wealthy.
 
Now that personal responsiblility is a dinosaur, what's next?

Did the man pay his property taxes? If so, wouldn't he being paying the salaries of the people who decided his house shouldn't be saved. The people didn't vote this policy in, city leaders did. The man owned a home, which he paid taxes on, he probably owned a car, that he had to pay taxes one. I don't give a shit about the $75. If he is paying the elected officials salaries, they shouldn't be letting his house burned down. How does the Fire Chief get paid? I am guessing through tax dollars.
You should also ccheck out the Obrion County home page. The mention something about protecting ALL people when it comes to emergencies. I guess they didn't really mean that.



He doesn't live in the city that funds the fire department. He lives in an unincorporated part of the county. His property taxes do not support the fire department - which is why he has the $75 per year fee to opt in for service.
Do they support the other elect officials from the county? The ones who voted on it?
And if he had paid $75 since the 90's which it sounds like he did. He has paid for the Fire Department in the past. It pretty much sound like he has helped pay for that Fire Department, every year but this one.
The Fire Chief sounds like a greedy asshole to me. If I was that guy, I would ask for a refund on all the fees he paid in years past. Those fees obviously didn't help him get his house saved.
 
So let us privatize everything. You pay for police protection, fire protection, for the right to drive on a private road. Then you lose your job. No unemployment, of course, no health insurance, and if you get sick, you have the choice of paying for medicine, your rent or mortgage payment, or your insurances on all of the things that we have taken care of with a socialistic system in the past.

You people here are one great advertisement for socialism.

You haven't taken care of thing one. You have borrowed and stole money to pay for it.
 
So the man forgets to pay one year, but has paid every other year, and they let his home burn down? Nice

Personal Responsibility is a moral attitude and ethical requirement that the Left would like to kill.

Luissa, you miss a year's worth of Life Insurance premiums, your Policy is cancelled, you go to the doctor and are told you have 90 days to live, should the insurance company be required by law to accept your back payments and pay the full face value of the Policy upon your death?

Inquiring folks want to know how Marxists mind work.
 
Now that personal responsiblility is a dinosaur, what's next?

Did the man pay his property taxes? If so, wouldn't he being paying the salaries of the people who decided his house shouldn't be saved. The people didn't vote this policy in, city leaders did. The man owned a home, which he paid taxes on, he probably owned a car, that he had to pay taxes one. I don't give a shit about the $75. If he is paying the elected officials salaries, they shouldn't be letting his house burned down. How does the Fire Chief get paid? I am guessing through tax dollars.
You should also ccheck out the Obrion County home page. The mention something about protecting ALL people when it comes to emergencies. I guess they didn't really mean that.

What is.....is, Luissa. There IS a $75, and he was on notice about it.
I really think that the firefighters should have put out the fire, and it's too bad.
I don't blame them, and I think the laws should have been in place that it is covered in their property taxes. We don't know if county residents are paying salaries of the city officials or not. They do have state representitives that the county residents could deal with in these types of issues, I'm sure. But no one forced the issues before, so there is a lot of blame to go around.

Bottom line, if he was aware, and he was, he knows better....goes back to personal responsibility of the individual that has a vested interest in the property.
 
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So the man forgets to pay one year, but has paid every other year, and they let his home burn down? Nice

No, he forgot one other time, had a chimney fire, the fire department came and put the fire out, and let him pay after wards. He was given a break once and expected it again.
 
Do they support the other elect officials from the county? The ones who voted on it?
And if he had paid $75 since the 90's which it sounds like he did. He has paid for the Fire Department in the past. It pretty much sound like he has helped pay for that Fire Department, every year but this one.
The Fire Chief sounds like a greedy asshole to me. If I was that guy, I would ask for a refund on all the fees he paid in years past. Those fees obviously didn't help him get his house saved.

Try that line of thinking with the IRS. Then go call the Director a greedy asshole when they tell you to pay. You'll lose more than your house.
 
Did the man pay his property taxes? If so, wouldn't he being paying the salaries of the people who decided his house shouldn't be saved. The people didn't vote this policy in, city leaders did. The man owned a home, which he paid taxes on, he probably owned a car, that he had to pay taxes one. I don't give a shit about the $75. If he is paying the elected officials salaries, they shouldn't be letting his house burned down. How does the Fire Chief get paid? I am guessing through tax dollars.
You should also ccheck out the Obrion County home page. The mention something about protecting ALL people when it comes to emergencies. I guess they didn't really mean that.



He doesn't live in the city that funds the fire department. He lives in an unincorporated part of the county. His property taxes do not support the fire department - which is why he has the $75 per year fee to opt in for service.
Do they support the other elect officials from the county? The ones who voted on it?
And if he had paid $75 since the 90's which it sounds like he did. He has paid for the Fire Department in the past. It pretty much sound like he has helped pay for that Fire Department, every year but this one.
The Fire Chief sounds like a greedy asshole to me. If I was that guy, I would ask for a refund on all the fees he paid in years past. Those fees obviously didn't help him get his house saved.

If the fire had occurred during a year when he did pay the fee, his house would have been saved.
 
So, you claim his property taxes didn't go to the Fire Department, but don't portions usually go to the state and then are put back into things like Fire and Policemen retirement funds? I know my state just helped my city buy new fire engines. If they will protect brush fires in the county, wouldn't that mean the county probably funds part of that coverage. Where does the county get the money?

I say the man should get a refund for all the years he didn't receive service. They can't help him the year he forgot, he shouldn't help them the years they didn't do anything for him.
 
Do they support the other elect officials from the county? The ones who voted on it?
And if he had paid $75 since the 90's which it sounds like he did. He has paid for the Fire Department in the past. It pretty much sound like he has helped pay for that Fire Department, every year but this one.
The Fire Chief sounds like a greedy asshole to me. If I was that guy, I would ask for a refund on all the fees he paid in years past. Those fees obviously didn't help him get his house saved.

Try that line of thinking with the IRS. Then go call the Director a greedy asshole when they tell you to pay. You'll lose more than your house.

So, certain years you don't drive on state highways or interstates?
 

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