She told me that by the time she got downstairs the flames were going out the window. She told me that she was glad that the window was open or the fire could have spread through other parts of the house. She went straight to her bedroom and called the fire department. She said that it took fifteen minutes for the fire department to get there, but it felt like eternity. I told her that homeowners insurance florida had a five hundred dollar deductible for any claim and I told her that she had to have a price on the damage drawn up.