Even IMHO, more important than the $$ is the staffing--2 persons per engine and truck is a joke; how can you do an immediate search for a victim or victims without a charged line prior to making an entry..
4 persons should be the minimum/ 3 is a band aid--in most fires here the primary goal is not to save the structure but prevent it from extending to neighboring structures, the insurance industry most likely doesn't know the staffing of the apparatus inTV
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