I lost a whole house, 3800 square foot house, that I and my husband at the time _built_, ourselves, for a year, to fire of unknown origin. Luckily we weren't quite moved in yet. But we had a family of cats that died of smoke inhalation. There is no worse feeling than getting the call at work that your house is on fire. Mostly, though, we were ok- most of our stuff and pets was not there. Still, the prospect of starting over, after all that work. Now, about ten years later, if I'm driving home, and I smell smoke in the neighborhood, like from a bonfire or something- I go right back to that horrifying frightened feeling. I am in a panic until I see my house, safe and not on fire. I hate fire.
Nanci
And here's the really great thing- house gets rebuilt, and a few months after moving in, a tornado gets it. Nice.