Lets go back to what was said in the OP. He was concerned about damage that occurre when POCO primary conductor fell on a grounded conductor.
My original diagnosis was that there must be something wrong that the utility is not saying in the first place. As this short circuit condition should have had low enough impedance to open overcurrent protection very quickly. This is all speculation, there is a lot of information that we could be missing that will change things. First we do not know how long the fault condition existed, OP indicates that it was at least 20 minutes, if that is so current is flowing in all kinds of paths, things have had plenty of time for insulation breakdown, some paths probably burned clear and others developed. If the grounding electrodes at these effected homes were as low of resistance as you have tried to claim in past threads the overcurrent protection should have operated within a second or two at most.
Now lets figure that there was a high impedance and the overcurrent protection (on POCO primary conductor) did not operate - now you are getting into discussion we have in last few posts.
A few conditions that can't be ignored:
1. The service neutral although is connected to a grounding electrode which itself likely has a resistance of at least 10 ohms or more is the "hot conductor" during this incident.
2. The service neutral has no overcurrent device in it. The only overcurrent device that will interrupt the conditions is the one protecting the POCO primary phase that has faulted to this conductor.
3. Once this conductor energized to a voltage well above its normal design enters a building wiring system there will be breakdown of insulation, individual premesis wiring conductor insulation may hold up to some extent, but there will be connected equipment that likely will not.