This is to say, either the tax is not high enough for services (note that fire, sprinkler inspection, etc are typically additional fees) or the property taxes a

This is to say, either the tax is not high enough for services (note that fire, sprinkler inspection, etc are typically additional fees) or the property taxes are not properly earmarked for the direct costs that they entail. It's also easy to suggest that these costs and inspections could be "free market" attributed to the insurer.