They are! This is a high stakes game of probability, and they made the first move with an in-house fire. By having a great disaster themselves, the probability that further occurrences of similar events is greatly reduced. It happens all the time. I once missed getting hit by a speeding small truck that blew through a stop light, and the car directly behind me was T-boned. I just laughed and unhooked my seat belt for the remainder of the ride, because; luck was with me and the probability of having another accident on the way back was now a HUGE improbability.
It's maths, baby. Get you sum!