The answer is the shop keepers should of had insurance. Especially the guy that just opened as he was in debt to the Bank, anywhere else in the world it would of been required. I was told even Renters should have fire insurance here as you will be held accountable if your rental villa burns down. I know their is Renters insurance but I was never aware of fire insurance. Imagine how safe the towers are if they can't put out fires on the ground!