What must Wanda's insurer do when there is damage due to a fire response at her rental home?

The correct response indicates that the insurer must pay the fire department a fee when fire services are called to address damage at a property, such as a rental home. This scenario typically arises from the understanding that many municipalities have laws or ordinances that require property owners to cover the costs associated with the fire department's response to incidents at their properties.

When emergency services, such as fire departments, respond to an incident, they often assess a fee to cover the costs of their equipment, personnel, and operations. Insurance policies sometimes include provisions that specifically cover these fees, allowing the insurer to settle these expenses directly.

In this situation, the recognition of the $100 fee reflects common fire department practices. It's important for policyholders to understand this aspect, as it influences how expenses related to fire incidents are addressed within their insurance coverage. The fees are not necessarily a part of the overall damage claim, which would be handled separately under property damage coverage. Thus, this fee is a direct financial obligation that is distinct from the overall damages to the property.