person A: During my first year in grad school_comma_ my basement apartment flooded. EVERYTHING was destroyed and I had to start over fresh.
person B: That is awful! Did you have insurance to cover everything?
person A: Thankfully_comma_ yes!! It took several months to replace everything that I could -- but even things_comma_ so many things I just simply couldn't replace. 
person B: Yeah that is horrible. I am sorry that happened to you. 