Ok wanted to see if anyone knows if theres a mod out there to disable the fine system when there is a fire. 3 times my NPC sims left the oven unattended set the kitchen on fire and put it out before the fire department responded, resulting in a fine for false calling (fire alarm)

On top of that is there one that corrects the insurance payout? Right now Im lucky if the insurance would cover half the cost of replacing. Kinda would like to have it as a "new for old" policy in that it covers the price of getting a new item of same type.