How awful, but so glad nobody was hurt. As you say so many ifs, thank heavens your neighbour saw the fire. Knowing how insurance companies work suspect you may not get full value of your lorry etc, but just try and remember what the worst case scenario could have been if things start getting you down.
All feeling more 'normal' now, even if it is odd trying to do things without stuff, we still have most basic stuff though so that's good! Pics posted in new thread