Insurance is not a free ride.
To be insured or for your insurance claim to be valid, your electrical installation must have complied with the applicable regulations, making it extremely unlikely for you to sustain damage in the first place from electrical fault.
The fire should have been caused by an accident if insurance was to cover in any way.
If there is one evidence that cables were overloaded then you can kiss the insurance goodbye.
To be insured or for your insurance claim to be valid, your electrical installation must have complied with the applicable regulations, making it extremely unlikely for you to sustain damage in the first place from electrical fault.
The fire should have been caused by an accident if insurance was to cover in any way.
If there is one evidence that cables were overloaded then you can kiss the insurance goodbye.
I can't imagine anyone insuring any facility without automatic fire suppression.