My office is next door to a staff attorney, so I ran this scene past him and asked who he thought was responsible. He said he didn't have a clue offhand, but it was a good question for a law professor to lay on his class for debate.
BTW, in my job as an Insurance Inspector, I can advise ya'll that on any rural inspection, the insurance company ALWAYS asks who the responding fire department is, how far away the fire department is, and WILL THE ACCESS ROAD HANDLE CURRENT FIREFIGHTING EQUIPMENT. That doesn't just mean width, it means will a bridge hold the equipment, are there obstructions such as tree limbs, etc. In my reports, I'm required to provide photos of any substandard conditions.
I don't make decisions on coverage, all I do is report what I observe from and on the premises, reply honestly to the questions they ask on the report form, and supply the photos they want and require. I would suspect, though, that anyone who lives on a rural property that is not accessable to current fire and rescue equipment could suddenly find themselves without insurance.
Also, this doesn't involve fire and rescue, but on all of my reports I'm required to comment on the breed and temperament of any dogs on the property. A photo is required of any aggressive dog, regardless of whether he's penned or running loose. And if a dog prevents me from doing my job, all I need to do is submit a photo of the dog and the company will back me up for not completing the inspection.
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Today's Featured Article - History of the Nuffield Tractor - by Anthony West. The Nuffield tractor story started in early 1945. The British government still reeling from the effects of the war on the economy, approached the Nuffield organization to see if they would design and build an "ALL NEW" British built wheeled tractor, suitable for both British and world farming.
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