The power supply warranty almost certainly excludes consequential damage and only covers materials and workmanship of the power supply itself to the value of the power supply. It isn't the power supply's fault the user had a fire suppression system that damages all his equipment. They could have chosen something else or designed a layout which minimize the destruction. I would be extremely surprised the power supply maker paid out $millions on this, if anything.I guess the unlucky one responsible for a power supply which delivered 5V 200A to chassis, or designer of a PCB which had EMI shield bridging 5V return to chassis, got the several $million bill.
All these insurance horror stories are FUD spreading. Let's get back to the topic...
Mike C.