Why not use an ash tray or go outside? I am sorry if I seem like a jerk but I really do not feel sorry for the 21 year old that started the fire, she is old enough to know better and to practice responsible behavior...and this totally could gave been avoided. Flicking a cigarette into the attic insulation (or anywhere besides an ashtray or container) and stepping in it because the phone rang is inexcusable. I dont know anybody who flicks their cigarettes onto the floor indoors anyway. Attics are dry with good ventilation and a fire ready to happen, I do feel sorry for the mother for having to lose a home because of her daughters completely irresponsible behavior. Just my opinion.
My aunt-in-law just lost a home in Mobile AL in a fire that could not be prevented and I helped her gut it (total loss). I feel bad for her because it was outside of her control, but this is just irresponsibility.