When writing your book and later your query, it’s important to remember that a successful book, and therefore a successful query, isn’t just about life happening to the character. To make a book, and query, work, you need to have your character be an active participant in life.
Therefore, if you’re telling me that your character’s house burned down, her husband left her, her best friend died, and then her dog ran away, I’m frankly feeling your book is a little ho-hum. Clearly your book is happening around your character, to your character, but your character isn’t doing anything. Maybe if her husband left her and then she shot him I might be more interested.