We sat and drank tea in the kitchen, and suddenly we heard that something had flashed in the room, and then it started to explode, we ran into the room and saw that the computer was on fire, then the microwave. I called an emergency crew. They arrived and said that the zero wire has burnt in the panel (where the electric meters are) in the staircase. I asked them to prepare the act, as I have to take it to the insurance company (I thought we had insurance), and they said that the act will be given to me on Monday (it happened on Saturday). As a result, I never received any act. What should I do, how to recover losses if the apartment was not insured?