This is where lawyers have all the fun. Does the phrase in the insurance boilerplate, "neglect of the insured to use all reasonable means to save and preserve the property at and after loss" require paying the fee as a "reasonable means" or does it mean "try your darnedest to put the thing out"? Bet if you research the case law in six different states, you will get six different answers.
My understanding is that where fire service is provided by subscription, insurance policies will require that the subscription be kept up to date.
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