Most of you on here are way to young to understand how any of this works but first of all its incredibly expensive to run a fire department. Just starting up the trucks and getting them moving costs a ton not to mention the start up cost of buying all the equipment and pay the firefighters.
Secondly its a dangerous job the firefighters could have been hurt in the process which could have lead to much larger lawsuits from the fighters family.
In the end they didn't pay for their insurance, so they get no coverage. That would be the same if I crashed my care and expected Geico to pay for my car because I crashed and I cannot hold a job now that I lost my car. Or for the fire, asking my neighboring cities fire dept to come save my house when I don't even pay taxes in that town. Yeah a burning home sucks but you need to take responsibility for your actions.