So today while I was home with LO, my laptop burst into flames and literally exploded. The fire was confinded to the living room but with an open floor plan there is ash in the bathroom and kitchen. Not a lot, but you can see the little black spots on the white ceramics.
Thankfully we have renters insurance and were told that we could stay in a hotel and be reimbursed through our insurance after. However, funds are SUPER tight and I am not sure we can "afford" it, considering I don't know when the money would come back to us. Does that make me a terrible mom? Am I jeopardizing LO's health? Would the fire men let us come back in and say it was fine if we shouldnt be here? Im just not sure what to do in the situation.
We tried calling the management but because its the weekend we got no response and our insurance adjuster will be here on Monday so I feel like I'm caught in between until then. WWYD?
Re: WWYD? Fire in the apartment?
You can use a credit card. I don't like credit cards, but I have an emergency one.
If you don't have one, and really don't have enough funds to scrape up (I've been there, no judgement), ask a family member to put it on his/her credit card, or loan $, since you will be reimbursed.
Another option is to go back to the apartment, and if you truly feel it is unsafe for LO, have a family member watch the baby- you and DH stay there.... or the whole fam stay at said family members home. I hope you have family reasonably close.
I know in the county I live in they have emergency vouchers you can obtain that pay for a couple nights in a hotel. The hotels aren't exactly five star, but they would work in a pinch. Google will help you locate services. It being a weekend makes it hard, but keep searching and you something will turn up.
We'll miss you sweet Debbie Girl (4.21.12) and sweet Cindy Girl (8.9.12)

You don't have friends or family you could stay with? It might not be super comfortable, but it would be free. If I had just had a fire in my house, I would not feel comfortable keeping my daughter there until it was repaired.
Aquarian Mommmy Blog
We had a fire right before LO was born (see "Beds Are Burning" tab on my blog, in siggy). I would def not return until it was repaired. My asthma was triggered by things that had soot on them (which was everything) - just an item removed from the home...and my asthma isn't bad normally. PPs have had great suggestions and yes, you can contact Red Cross. They have places you can stay if you can't afford something. Or stay with someone. That's what we did - I had just begun my third tri and was sleeping on the floor for four weeks. It's not ideal but it works out.
I'm terribly sorry to hear this happened. It was the worst experience of my life.