On December 8, 2024, a fire broke out at the family’s Glasgow home. The complaint says it began on a living room couch where the charger sat, when the battery “malfunctioned, overheated, exploded, and/or ignited.” Homesite paid its policyholders “in excess of $452,123.61” for the damage and is now suing to recover that money – a move called subrogation, where an insurer that covers a loss takes over the customer’s right to pursue whoever caused it.
