My 2022 Jeep Gladitor burned to the ground August 06, 2023. Jeep claims no responsibility for the cause of fire. I had 2,536 miles on my Gladiator. I had $71k in the vehicle. did not drive all last winter because I did not want snow, salt, slush on my Gladiator. My insurance company "Allstate" offered me $47k. 2 1/2 months have gone by and no claim payout. How does a fire start on a vehicle that is parked and turned off and a cold engine?