I live alone so when I get into the tub, I keep a terry wrap & my cell beside the tub just in case something like you describe happens. I know from past experience that it only takes the rescue department 2 minutes to open the door & let themselves in. At that point, I should be covered with my terry wrap. IF not, a friend who is a paramedic says that they walk in on so many naked bodies that they don’t even notice & they just concentrate on their job. At my age, I’d be a bit embarrassed, but I don’t think that any of them would be oogling me & think I’d be more focused on my leg. Surely one of them would be kind enough to help me get covered up IF I hadn’t managed to accomplish this for myself!!!