3 bedrooms, bathroom, and kitchen are ruined along with part of the roof.
No insurance due to the original dwelling was built in 1917 and added on/remodeled in the mid 60's, couldn't find an insurance carrier that would cover it due to the age of the original home.
The fire started by a "flash" of some sort ignited by the water heaters pilot light, my theory is my daughters nosy cat tipped over something like nail polish remover that she didn't tighten the lid on.
Sandman, I didn't get scared until I shorted the electrical system while fighting the fire in the bathroom linen closet where it began.
I sprayed an electrical outlet with the water hose and got a pretty good shock before the breakers tripped.
Shortly after that the fire department arrived and ran me out of the house, I ran to my bedroom to grab some clothes and shoes,
when I opened my closet fire flashed and scorched me a bit as it had eaten through the wall from the bathroom....that scared me a bit too. 
The captain of the fire dept told me I probably saved the house by staying in there and fighting it, I ate a lot of smoke and had to be treated for smoke inhalation due to bottle of flea spray that burned in the closet.
