Sorry to see your misfortune at such a time of year as this, J. I'm very glad to hear you guys are fine and in process of carrying on! I'm a firm believer in fate, such as yourself, apparently. So knowing this, we believe nothing happens without reason. Perhaps the reason you had your fire was to save the lives of other people? Humor me here... there have been posters recently discussing forging in there garages, and setting up shop in one side of the garage while a car resides in the other. Perhaps they'll take a cue from all this and decide that may not be a safe way to do things. Maybe your mishap has inadvertantly caused these other folks to rethink their strategy?
I certainly hope so. Its never easy taking a setback like this, but you and Tess have good kharma. I'm sure you'll do well. Good luck to you both, and Merry Christmas!