Gene Cranick of Obion County and his family lost all of their possessions in the Sept. 29, 2010 fire, along with three dogs and a cat.
"They could have been saved if they had put water on it, but they didn't do it," Cranick said.
The fire started when the Cranicks' grandson was burning trash near the family home. As it grew out of control, the Cranicks called 911, but the fire department from the nearby city of South Fulton would not respond.
"We wasn't on their list," he said the operators told him.
Cranick, who lives outside the city limits, admits he forgot to pay the annual $75 fee. The county does not have a county-wide firefighting service, but South Fulton offers fire coverage to rural residents for a fee.
Cranick says he told the operator he would pay whatever is necessary to have the fire put out.
His offer wasn't accepted, he said.
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