Water damage

I took it to my dealer and they sent it to the manufacter at another dealership. This is where they said there was water damage and where te car insurance claim adjuster did his investigation. My wife was driving it and said that it suddenly had problems and shut down. She drove it about 18 miles to work and it shut down about one and half miles from her parking lot.
Since the car couldn’t turn over i put the key in the ignition we checked the battery and starter and so off so we towed it to the dealer. We just bought it so no maintenance had been sone other than the standard check by the dealer before a used car is sold. Also the car dealership claimed the car had 10 quarts of oil but the mechanic and the claim adjuster said it didn’t cause the damage that the water did.