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That is basically how it works here as well. This situation in TN is by far an exception tot he rule, and seems like would only happen in an incredibly rural area. Lives first, property second. And it seems that in that particular area, residents have no choice (well, besides not living in the middle of nowhere) but to rely on another town's fire dept. Mutual aid is what we call it when one area's dept has to cover for another's. In those cases you are pretty much guaranteed a large bill for services provided, since you pay no taxes to the town of the service that responded.
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Kiss my white Irish ass.
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