Exactly! I hope all is well with you and yours! I lost everything to a house fire  8/17/2001 and then 9/11 happened 3 weeks later.  I know what it's like to start over or leave your home with only the shirt on your back.  All the lost photos, collectibles, memories,  etc are tough to get over.    The fund starts when you collect all that insurance money and become a shopaholic and get to buy all new stuff and rebuild the house to your liking.   Time heals all wounds.