When you’ve escaped from a late-night fire and lost your home and all of your belongings with it, what do you do next? That’s what Rudy wants to know, on behalf of his parents. Last week, their house caught fire hours after being hit by lightning. They got out alive, and are about to begin rebuilding their lives. But first: the insurance claim. An adjuster from Allstate is coming today. Rudy wonders whether the Consumerist Hive Mind have experienced this kind of catastrophic loss and massive insurance claim, and have any advice for his family.