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I couldn't find an easily researchable set of rules for the Fire Brigade. Have you obtained a copy?

First, ANY question on law needs to include your general locale as laws vary by area. So we can't answer your question because we have no idea what the rules are governing your fire brigade.

I...

Even if the tenant had renter's insurance, its is not likely to cover damage do to structural problems. The tenant has no control over faulty wiring.

However, if the tenant overloaded the wiring....