@meganreafer, I'm really sorry this has happened in your game.😮 Usually fires in TS4 aren't' quite that difficult to put out, but it seems as if you have a perfect storm of things going on that is pretty rare. 😞
Since usually when you visit a neighbors house, you can't go inside until they let you in, it seems as if they were in the process of doing this when the fire started! You can't extinguish it because you don't have permission in their house, and they won't extinguish it (I think I remember occasionally having a Sim I played put out a fire autonomously, but I think they either had the Confident mood at the time, or perhaps it was one of their traits (either Self-Assured or Ambitious) . But even if you could use your phone, it wouldn't do any good without firefighters in the game. 🤭
The real problem is that you Sim is stuck on the lot due to travel not being allowed during a fire. (I think this was put in the game to prevent people not dealing with the fire, with the assumption that it would either be on your home lot, or if you were out at a bar, restaurant, etc, then you would have access to the fire to put it out. 🤔
The only thing I can think to do is to quit your game without saving (unless it is too late and you have already saved it). If you quit while not saving, when you play that Save Game again, it will just revert to the point of your last save. Hopefully you won't have lost too much progress! 🤞 If there is another way to solve your problem I am not aware of it at this time, as your exact situation is a bit unique. If I hear anything else that might help, I will let you know!
Best of luck ! 🙂
