Fire in Loon Cove today
Having read these posts, and having thought about this problem, maybe part of the solution should involve discussions at the time plans are being developed for these waterfront homes. Local Code officers could include in their review of plans if any attention is being paid to fire protection, beyond just inside the building. I mean, does the site plan allow for a fire department's pumper to get close enough to the lake to successfully draw water to fight a fire. I am not suggesting a "highway" through somebody's landscaping, but possibly a dry hydrant ought to be incorporated into the plans.
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