Under the heading of "well, at least the garage didn't burn down"/
No, it was merely left without a roof. The house, a total loss. 7 years later, the house is rebuilt, but smaller, less wonderful, because there was less left to do with. The garage has a roof, but still smells, and is emptier, since the second car was forgone to pay for the house repairs. And the new mortgage is more than the old one. Insurance didn't pay off like it was promised to.
And all this because the neighbors built bonfires with no concern for the wind or sparks. A wind that miraculously spared some of their houses, the ones that could afford yuge yards, but built the bonfires on your property. Why would they risk being burnt? What kind of business model is that?