good analogy. Thats why people will tell you, when you notice the signs just evacuate.
You smell the smoke, hear the alarm and then finally see the large flame in the form of an argument. It may be your fault, perhaps you left the stove on too long. Or maybe a fuse just blew in the basement and theres nothing you could do to prevent it. Either way, are you gonna stand there and keep trying to throw buckets of water on it hoping the fire lessens slowly (when it will in fact make shyt worse)...or are you gonna bounce and call the fire department to handle the business?
One could say the fire department is a good friend she confides in or a family member to talk some sense in to her. Either way, its out of duke's hands. If the fire is too large and the home is beyond repair, youre better off purchasing a different home with that insurance policy than trying to rebuild for probably the same price. Otherwise...the house is saved and you move forward with caution based on what you've learned.
Just how I see it