This actually happened to me last year (flat burned down completely, nothing recoverable) but I was lucky that I picked up my phone which gave me instant access to my Cloud storage / 2FA etc to be able to still access all of my digital data. If the phone had been left behind that would have been a different story. I also lost my NAS, which was mostly a local backup of my cloud data but I did (foolishly) have some data only on there so that has now gone forever.