Why do I have to pay an electrician to fix a line that’s down between the meter pole and my building?

For liability and insurance reasons, we do not work on members' equipment. Per Heartland's Rules and Regulations (PDF), Heartland's obligation to supply electric service is completed by supplying electric service at the member's point of delivery (i.e., the meter), and the cooperative "will not be liable for any loss, damage, or injury whatsoever caused by leakage, escape, or loss of electric energy after it has passed the point of delivery, nor for defects in the Member's wiring, appliances, or equipment" (pages 22-23, section 7.C).