Huqooq Ul Ibaad
In principle, uncontrollable situations do not constitute bad deeds. I can’t objectively comment about the example you used above because there can be many variables. For example, perhaps you knowingly ignored to buy insurance when you still had the chance, which would pay the damages to your neighbor. Or you knew in advance that your stove wasn’t working right and could cause a fire. Or you knowingly ignored to buy a fire extinguisher when you knew that should have – the list can go on.