I've been super fortunate so far with the only casualty being my jacket. I have a cheap knock-off version of a North Face winter jacket that I wear exclusively for smoking cigars in the winter. This past winter, I fumbled my cigar and the lit cherry touched the nylon outer shell and melted a small hole in it. No biggie.
But, I was at my B&M last Summer talking to a guy. He had just lit a stick and was maybe 5 minutes into it and he knocks it into his beer. I had to laugh (while feeling bad, too, of course). Not a big deal if it hadn't been in front of so many people. LOL
The B&M owner replaced his stick for him, which was totally a stand up thing to do