Quote Originally Posted by Jack Tar View Post
As to your comment I personally wouldn't allow that as a house rule since it is in my opinion as a landlubber that there are not crew just sitting around waiting to fix something (every man had a job..especially on the smaller ships). ...
Yes, it's a judgement call. Mostly I do it simply because fire is pretty rough--minimum two hull boxes damage, and (mostly) unrepairable. Two fires at the same time is catastrophic--minimum of 6 hull box damage. So providing some way to buy insurance seems benign. I consider it as representing all the efforts made to wet down decks, fill buckets, fill the longboat with water, station people to watch out for sparks, etc. But as I said, it's certainly only a house rule and open to debate.