Myth #146: In early America, firefighters wouldn’t put out a house fire unless the building bore a fire insurance plaque.

History Myths Debunked

Legend in Charleston, SC, and other cities says that a fire company would not put out a house fire unless there was a marker on the building proving that fire insurance had been paid. This is a myth.

I want to acknowledge Stephen Herchak, president of the Charleston Tour Association (a group representing over one hundred tour guides), and Dr. Nic Butler, archivist and historian for the Charleston County Public Library system for their research on this subject. Everyone who looked into this topic found the legend highly improbable. According to Herchak: “This never made sense to me, given the great threat a burning structure poses to the rest of the city, and as you’re probably most likely aware, here in Charleston there were numerous disastrous fires (the Great Fire of 1740, as does all other Charleston fires, pales in comparison to the fire of 1861, but, nonetheless, it destroyed more…

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