Mairead Philpott tells the court that as far as she was concerned her children were "in the three bedrooms".
She says she was "hysterical" at the time of the fire and does not remember getting into the ambulance or being at the hospital up until the point a doctor told her "the children had passed away".
Asked whether she was able to describe what it felt like to be told that five of her children had died, she replied: "It's like my insides had been ripped out".
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The chancellor now faces the prospect of forming a minority government or calling for a snap election.
The 73-year-old said a return is unlikely "given the politicised atmosphere that seems to have afflicted our set."
Chancellor Philip Hammond said the UK will make a financial proposal to the EU in the next three-and-a-half weeks.