Ken, I have never had the chance to meet you, but that doesn't matter. I'm praying for you and yours!! I can scarcely think of anything worse than losing your home and everything in it. I just can't imagine it, and yet I think I dodged the same thing this very night. Kept smelling something "hot", bit try as I might I couldn't find it. Finally, just before going to bed, I realized my washing machine had been running for hours nonstop, and the entire thing was hot to the touch. Shut it off, got it unplugged, and the smell has gone.
I just cannot imagine what might have happened had I just gone to bed.
Ken, I'm so sorry about your loss.
Gary