Cant remember name of it :( Need your help please! Late 1990s or 2000s Movie, Younger Brother & Older Sister left orphans

[VHS_Lives]

is this questioner looking for the same film?

Looking for name of movie about orphan girl 70s/80s

I am looking for the title of a movie about an orphaned girl who becomes the ward of her aunt and uncle who live in a mansion near a lake. I was quite young when I saw this movie and it had a great impact, but I don’t remember everything. The girl’s parents died in a car accident and burned to death. She sees a lady, dressed in her mother’s clothes, walking near the lake, and nearly drowns trying to reach her. She lies in a big bed during a storm, when suddenly the windows fly open, white cu…