OK, so the Firefighters were following the rules. There is doing the Right Thing and Doing What's Right. Clearly, they did what's right. Which is so wrong.
But, just what rules were they following? Rules of Common Sense and Decency? Or what some bureaucrat came up with?
It's SOOO easy to take that position, but are you considering....
1. The legal and lawful authority of the fire department to exist, nonetheless act?
2. The legal/liability exposure for acting outside of the legal/lawful authority granted to them?
3. The exposure risk that happens if they render service to a non-covered person then fail to do so to someone else in a similar position down the road?
I could go on at length, but you don't just chuck out the rule book because you don't agree with it. Perhaps if someone inside was in danger, crying for help, someone would have acted on the basis that a human life in danger > legal ramifications, but in this case, that was not so. All the homeowner had to do was pay his annual fee and there would not have been an issue. This guy claimed he "forgot" but lots of people elect not to pay for stuff then hope to be able to sneak under the wire once they discover they need the coverage.
Can't make exceptions for one without asking for it to snowball into something massive down the road.
For a long time, one fire department COULD NOT assist in a neighboring municipality. Many regions adopt "mutual aid" agreements which basically acknowledge a legally-authorized quid pro quo where they can assist each other even if the fire is not within their municipal boundaries. While common today, they were legally complex to arrange at first and without them, an agency/municipality is asking for legal headaches if they go where they do not have legal authority to operate. You can't just okay this stuff on a case-by-case basis. A standing SOP (standard operating procedure) must be in place beforehand so everyone knows what can and can't be done.
Sadly, believe it or not, the legal reason to have all this in place is for dumbos like this homeowner. It's rarely a city that sues another city or county for not rendering aid....it's a homeowner who sues. The guy who didn't want to pay $75/year to get city fire department services will be the first to beg to be the exception and when something goes wrong, he'll hire a lawyer to sue the department and city for not adhering to established policy and procedure.