Q: I recently caused a small fire and damage to my apartment by mistake. I was trying to get rid of some roaches and I didn’t want to bother the landlord so I went to the store and bought some of those pest-control foggers. Something went wrong and they created an explosion that blew my patio doors off the hinges and shattered the master bedroom window. Luckily, no one was injured and there was only minor fire damage to a limited portion of the kitchen. But I did have to stay away from the apartment for five days for repairs.