Correct. Samsung does not owe me any direct money. They do however owe me a replacement device for a Note7 that was free. It's really not that complex.
This entire conversation is tangential to the insurance conversation. You or somebody else replied to one of my comments and so we find ourselves here. I used myself as an example, but I'm also 100% certain that there are many others out there (I know in Canada there are for sure) that Samsung claims no responsibility for because the recall is apparently only relevant if Samsung feels it is relevant. I'm not sure what is so complicated to understand here but it basically comes down to Samsung being selective about their responsibility. A recall on a product needs to apply universally, no matter how somebody came to own the product. If I bought a used car that then got taken off the market and had to be returned that doesn't make it a "too bad so sad" situation where I just need to "cut my losses", whether in direct money or other economic damages. But, let's get back to insurance now.
Unless the fire was directly caused by the Note7 and the insurance company can prove that you intentionally took the risk by ignoring any and all advisories there is no way that they can spin this in their favor. It would be the equivalent of saying that you cannot get life insurance because you choose to eat cake, because you know, diabetes.
They owe you what you paid for it... not the perceived value....
Go back and read up on some basic law concepts -
In your particular case you are out nothing (because you got the device for free) therefore you are owed nothing...
In my case they gave me a full refund for the amount I paid for it (which was the 2 payments I had made plus the tax)...
And they (nicely - but didn't have to) offered $100 off another Samsung phone should I choose to purchase at that time.. (I didn't) - they then (again, very nicely, they didn't have to per law) gave me a $25 credit on my bill...
Pretty sure they're doing this for everyone affected.
I'd recommend that you also take advantage of the same offer if it's still available. It's very nice of them and they don't have to do it.
But hey - good luck trying to get a replacement device for that free device you received.... Makes perfect sense...