My sister had a nasty fire last year. It started under a bed and caught on very quickly. Gutted the room where it started completely ruined the decor of the whole house. The heat was so intense at the source of the fire, it peeled the plaster off the wall, completely burned all the celing through into the loft. The window melted and flopped out, heat was so intense, the electric shower unit in the bathroom next door melted due to the heat radiating through the tiles.
That was just the start. Firemen came and extinguished it and that caused even more water damage. Plaster board falling off the ceiling and crumbling everywhere whilst being trodden in by the firemen. Every window and door in the house had to be replaced, it needed decorating from top to bottom with new carpets throughout. Even the roofing tiles needed replacing. Most of the electrical appliances had to be replaced because the insurance wouldn't insure her again unless they were renewed. I was dying to sneak that brand new panasonic plasma out which they only had for 2 weeks before the fire. It was written off and replaced for a new one.
The good side is, the insurance paid for the lot. Quarter of a million £ iirc because it's actually 2 houses knocked into one. They even had tens of 1000's worth of extra work done including a loft conversion, partition walls, on suite bathroom, brand new kitchen etc. It's a beautiful house now. It was nice before as you can see, but it's stunning now. I'm very happy for them because it was a damn hard to go through. They even say they're a lot better off now than before the fire. The house is done up exactly how they wanted it, but it was a painful thing to go through at the time. The whole of their lively hood rested in the verdict of the insurances decision. Luckily, they had a very good insurance cover which paid for rented accommodation whilst the house was being done up. It took around 6 months to complete the house.
Every other room in the house looked like this, so you can see what it meant when the word gutted is mentioned.