I have no idea how insurance investigations work but say you have a non compliant plug, and your EV catches fire (who knows, Samsung might make cars in the future). Investigation finds non compliant plug but not the cause of fire, how will that look?
Ok so you say unlikely for EV to catch fire (I beg to differ but that's me), say there is a toaster in there and it catches fire, and there's that plug again - how would that look?
Anyone in a similar situation before?
I for one have heard of 2 people's homes burn down for the first time and insurance did not pay! Lots everything! [Did not get the full story though, so not sure what happened there]
If it wasn't the cause of the fire, only the shonkiest, worst insurance company would (try to) dodge the claim.
As for EVs catching fire....those fossil fuel laden cars are certainly flammable. Will the insurance company use a leak in the fuel line in the car in the car port to dodge a claim for a fire caused by a toaster?
That's the question you're effectively asking.