Jeparit's Leading Senior Constable Graham Blair has said the fire has been deemed accidental, not suspicious, by arson investigators.

Saturday: Kim Male was taking her dog to the vet in Horsham when she received a life-changing phone call.

"I dropped my dog off, went down to the river and got a call from my daughter who said the house was on fire," she said.

Ms Male, of Jeparit, raced back up the Western Highway. Thankfully her daughter and partner, who were home at the time, weren't injured, but the house is now uninhabitable.

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"The roof is completely gone," she said.

"We've got no idea how it started. They were outside at the time. All they heard was a bang and they came outside to find what the noise was, and that's when they noticed the smoke coming from the house."

Police are still investigating the Lower Roy Street property to determine whether the fire, which flared up around 3pm Thursday, began under suspicious circumstances.

Ms Male cares for her partner Gary, who is on a disability pension. Her eldest daughter Bella, 21, works at an aged care facility in Dimboola, and her youngest Skye, 17, goes to school in that town.

The family spent the night in accommodation in Horsham. Ms Male said she expected the Department of Human Services to be in contact with her about longer-term accommodation soon.

"We will just have to go from there," she said.

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"At the moment, I don't know (what this means). I'm just numb and my head is all over the place. Bella is feeling it at the moment, but my daughters are both strong. We would appreciate any help."

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