What happens if my apt building burns down and someone dies. How screwed am I?

[Manuel Sarabia]

Just saw on the news that a nearby apt from mine burned down and resulted in one death. Sucks for all parties involved but now its got me thinking it could happen to me. I have the place insured but something tells me this is not enough. I have smoke detectors in all units. I recently put a fire extinguisher on the exterior but before that section 8 never mentioned anything about having them(not sure if they are the right people to check for this).  All my tenants are good people but I wouldn't doubt someone takes me to court because the smoke detector did not have batteries.