I was under the impression this car was stock, aside from the air intake, is that not the case?
Regardless, once again, this is exactly the type of reason we carry insurance, because unless there is a pattern of EcoBoosts catching on fire, Ford cannot be expected to be responsible. The problem here is that the fire is of an unknown cause, Ford has to either take all unknown fires seriously, or NONE.
If I were Ford I'd opt for none as well, because it would open them to all kinds of attempts at fraud. Drivers are legally required to carry insurance, in this case the owner was lucky enough to receive $7.5k OVER what he owed. I'd say that is a VERY good outcome. The only better outcome would have been EVEN more money over what was owed.
Someone mentioned this is the cost of modding a car, things can go wrong.... I say this is simply cost of owning a car! Sometimes they get totaled, and it sucks, but that's life sometimes.