That's really awful PBL and I'm very sorry. that's a very cruel twist about the insurance thing. Is state aid or a social security emergency loan available? If not can you get help from Trade Unions/ Churches etc? Will you get a report from the fire department on what probably caused the fire? Do you have a lawyer? Obviously I don't want any of those questions answering but there the sort of things I'd be asking. Of course you have the trauma and the practical implications of this disaster to deal with but if anyone's able overcome disaster I'm sure it's you. Good luck.
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