Using the logic of insurance and jurisdiction would prevent an awful lot of good Samaritans such as off-duty police officers, doctors, nurses and even firemen from springing into action and saving lives in desperate situations. That's not the American way, and that's not the human way. What if a child was trapped inside this fire and died? Would it have been the child's fault that the adults in the house failed to pay the $75 and deserved the punishment of death by fire? As it is several pets were lost over this incident.