Should fuse have blown first to prevent an electrical fire?

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I steam cleaned the carpet in my Versa. A week later while driving about ten miles fire came through the front passenger side carpet. I stopped and poured some bottled water on it. It stopped burning. After a few minutes I tried to start it and it started fine. I checked lights, radio, horn etc and everything worked. Should a fuse have blown first to prevent an electrical fire? I lifted the carpet and saw the end of a connection to a wiring harness was darkened from fire. Should the mfr pay for this repair since no fuse blew to prevent this?