There is no incentive for insurance companies to fight fires. They've already calculated the risk of total loss.
If the cost of potential claims exceeded the cost of fighting the fire, that would be an incentive.
Thats an oversimplification of a complex problem.
In any given community, there is an unknown variable. That variable is the mish-mosh of various companies all being on the hook for various sums. Each of these insurance corps would have to contribute a percentage-based sum proportionate to what they aim to protect. Some companies may not want to comply, and some homeowners may not wish to purchase any greater coverage, but would still benefit from the necessity of controlling the fire.
Preventative services are massive endeavors, requiring many thousands of employees, and a fuck-ton of specialized equipment that must be purchased before the event. Training must be completed, supplies maintained, and a well organized supply chain with contingencies for every corner of the coverage area planned ahead. This is where shit gets local.
Because of the rapid response time required, they'd be dotted all over the map, not in a centralized manner, but jurisdictions. There, you would observe a redundancy of positions and equipment, and personnel. This is where shit gets expensive.
This is where I and most Libertopians part ways, because they inevitably hatch a hairball scheme and say "Let the insurance comps handle all our problems". And I challenge them to explain how that would work IRL, and they can't do it.
I don't have a problem with the theory of government, but I have a problem with its real-world mismanagement and ineffective implementation. There is no reason why our National Guards should not have been better equipped to handle this sort of catastrophe, thats one of their potential uses. Same with West Virginia, where the power's all fucked up and people are running out of food, and roasting their nuts off in a heatwave. An efficient National Guard should've been prepared to deploy immediately, and lend support to their efforts. If that was a real "attack", we'd all be fucked by the time they came to rescue.
The profitable energy companies in the WV area, still struggling five days later to restore power, demonstrates perfectly how a private company responds... and the WV situation isn't even dangerous.
There is nothing to suggest a better alternative is to be found in replacing specialized services in a for-profit situation would be more efficient, or for that matter, cheaper. Many of those localized services have volunteer participants, something an insurance company can NOT rely on.
At the end of the story, insurance companies would be hemorrhaging money, and the only solution would be to raise rates, making it unobtainable for more people, like medical coverage.