Increase to minimum of $2000 as the amount recoverable by fire companies from homeowners insurance policies for response to fire call

HB 3088 requires homeowners' fire insurance policies in West Virginia to include a minimum $2,000 coverage amount for fire department response to fire calls. This directly affects homeowners (whose insurance policies must include this minimum) and fire departments (which can now recover at least $2,000 per incident). The bill adds a new section to state insurance law mandating insurers include this minimum coverage in all fire insurance policies covering real property. It ensures fire departments have a guaranteed minimum recovery amount for services provided during fire emergencies, without changing existing insurance requirements beyond this specific dollar amount.