UPDATE: 5:40 p.m
Janice and Larry Secor's home is covered in debris.
The family thinks ashes from a wood burning stove re-kindled, sending flames through the attic.
"The gifts are OK that we bought, they were in that one room, god is so good," said Janice.
The couple still manages to smile and laugh while looking at what's left of their home, but for this couple, it's not about what they lost. It's about what they have left.
They say this month hasn't been easy.Their grandson, Adam, was killed in a head on car crash in November. Days later they were robbed.
"One in the morning, we arrive here and our house was being burglarized. We stepped inside and were held by gun point until they got away, " said Larry.
That's not all. When they reported it, they found out they were somehow without insurance.
"If this had not transpired, and the burglary had not happened, we would not have known we didn't have insurance and this wouldn't have been covered - so we give god the glory for that incident so we had insurance when this happened, " said Larry.
Investigators say the fire was an accident.
A late-night fire left two homes with substantial damage. It happened at around 10:00 near 30th and Seneca.
No one was hurt, but both homes are unlivable.
The American Red Cross was called in to help three adults who live in the home, but they turned away the help.
Firefighters were able to put out the fire, but they aren't sure how it started.
We spoke with a relative of the residents of one of the homes. He told us they're a little shaken up, but they aren't hurt.
"They're doing well," said Tim Bauer "Fireman helped him get a coat and his wife in the family van staying toasty there."
No one was hurt in the fire.