If the DIY work wasn't the cause for the fire it shouldn't matter, but I half-expect someone to inform me that US insurance companies can (legally) deny coverage for reasons unrelated to the accident.
How are you going to absolutely price that the batteries didn't start the fire or even just make the fire worse?
You can't and you will lose in court.
How are you going to absolutely price that the batteries didn't start the fire or even just make the fire worse?
You can't and you will lose in court.