I sometimes feel like there is a hidden "bad luck" trait...

I'm sorry for your bad luck, @Stormkeep I went through quite a bout with the current family I'm playing. Albeit, an earlier iteration of this family. They did seem prone to fires, in general. Dryer fires, kitchen fires, fireplace fires. Mostly the dryer fires, though. It was crazy-insane. I hope things settle down for you, it's miserable when you can't play without a Sim being in such jeopardy.