2018 Cadillac Escalade Esv

We were on our way home from charlotte nc where the suv sat for a week while we were on vacation. Less than an hour of traveling home we smelled something burning so my husband pulled over, turns the suv off, and we looked on the outside at the tires. We didn’t see anything no smoke, no flat tires, so we look back in the suv and there was smoke all inside. We opened my passenger door and the smoke was coming from the door column that houses the seat belt. We had water in a cooler so he poured some on the area and I called 911. While waiting on the fire department the suv was still smoking but he couldn’t get the column cover off to see where it was coming from.Then fire starts flaming up through the melting plastic column so he took more water and poured it on the fire and smothered it with a towel until it went out. The fire department came pulled the seat belt column off and cut the wires and taped them up, then checked the voltage to make sure it was safe for us to drive home since it was only about 15 minutes away and told us not to park it the garage or close to the house so we went straight home and didn’t drive it anymore. Damage is to the seat belt, seat belt column and the electrical harness that goes under the seat. The suv was towed from our house to the dealership Vann York in high point nc. They have looked at the damage and advised the insurance company who is not covering the cause of the fire only the damage to the other parts. No alterations have been made to the suv. I would appreciate your help in this matter. Holly Grove fire department can provide their details as well if needed they are located in Lexington nc. Luckily we were able to get out of the suv before the fire got worse and I would have been stuck because my grandsons car seat is in the next row behind me.