I just got word this morning that my cousin's house caught fire last night. They live out in Oregon, so there isn't much I can do directly for them other than feel awful. The boys' bedroom was completely lost, as was their garage. The rest of their house is water damaged, but all of the people are safe and so are their cats and dog.
I don't know what kind of insurance they had, if any. They're still in shock and not thinking entirely straight, an experience I remember well.
Days before Thanksgiving and those kids have lost everything they own. I'm just praying the kids didn't do anything that caused the fire. Losing everything is bad enough. Having guilt on top of that isn't something I'd wish on my worst enemy, but especially not a kid.