Well, the way it works here... and this is probably where our laws may differ a bit... but for us, as a fire department... we are empowered by provincial (state) statute through the municipal government act. That requires us to register as a fire department within the boundaries of whatever jurisdiction we intend to serve. In doing that we are released as individuals from liability, short of gross negligence, to act in suppressing a fire. The act empowers us to take whatever reasonable steps are necessary to carry out that suppression. However... if we are not registered, as you are suggesting in your example... then we are wide open to any and all liability. That's probably not a big deal if you're putting out a fire with the clear consent of the owner. The problems start when you are required to suppress a fire that has been set, often times by the owner of the property... particularly if insurance is involved... so you either don't put the fire out and insurance sues you... or you do and the owner shoots at you, etc. Or the more likely scenario with what you suggest... a willing property owner lets you in to suppress the fire, you damage something on his property... and then he turns around and sues you. There's so many possibilities you can't imagine them all... and insuring yourself against them is about the only recourse. That alone costs us over 9k a year... Again, I get where you're coming from. It would be nice if we could operate in the way you suggest. I think everyone on our department wishes it was still that way... but ti just isn't.
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