I literally lost everything in a house fire about 5 years ago. I woke up, realized the house was on fire, and ran out the front door wearing only a teeshirt... When I got to the hallway (it was a multifamily, I was on the 2nd floor) I remember my cat so I went back in looking for her, and managed to grab a pair of jeans and my jacket before running back out. It was probably 45 seconds from the time I woke up to the time I was outside, even with me turning back around to find my cat... And no, I didn't find her, but she was able to hide in a closet and was fine, a fireman rescued her before the fire was out.
I had no shoes on and it was below freezing. I lost everything, and like an idiot didn't have renter's insurance. You may think "oh I don't own that much stuff, how hard could it be to replace?" Socks aren't cheap, neither are towels and pillowcases. I lost over $2K worth of SHOES alone. I still haven't replaced half of the nicer things that I lost, and I have no nice jewelry anymore.
Anyway, it sucks, but you move on and get all new things. The one thing that will never change now is that I am always aware of exits in the places I stay, and I notice sprinkler systems all the time. I have massive anxiety that my upstairs neighbor is going to burn down our 2-family house, but we can't really afford to move
But hey, what are the chances of that? At least I have good insurance now!
