A company may not be able to afford prolonging contracts without raising prices, but otherwise be able to fulfill this role.
Maybe people shouldn't settle in places too prone to fires.
Maybe there's some regulation involved in the first sentence which won't be in ancap.
Whatever. Ancap being worse than alternative in some criterion doesn't mean defeat of ancap, ancap being better in some other criterion doesn't mean victory of ancap.
Dude, you can't solve the problem of fighting fires for everyone regardless of where they live or how much money they have, something we've already solved.