I was at a city government meeting when they began to discuss this topic. I'm not quite sure how this works but I think local governments might require individuals and businesses to sign this clause and it applies to damage done by the police department or fire department of that city.
I know that city employees wouldn't intentionally damage anyone's property, but it might happen while they are working. If a fireman accidentally damages someone's car while trying to put out a fire, we can't really blame the fireman.
But I do think that the city should be liable for these damages, they should make payments to the individual or business who has to pay money to have their property fixed or replaced.
What do you think? Should cities have individuals and business sign a hold harmless clause for their police and fire department?