No, it's what Lidle's liability insurance is for. Why should the
homeowner's insurance be resonsible?

_IF_ this gentleman has renters/homeowners insurance, then I have to
agree that they are the ones responsible to cover his losses, as they
are the ones who have agreed to take responsibility and liability for
his personal property minus his stated deductible.

The situation strikes me as being identical to an automobile
accident. If both parties are covered by collision insurance, then
generally, both parties will settle with their insurance provider, and
then the at fault's provider will reimburse the the other's provider
for the cost of coverage... Makes life easier for everyone having
each party dealing with a company with whom they have an established
relationship (This I know from personal experience). I can't see why
this case is any different. Part of the service insurance provides is
a simple, hassle free way to be reimbursed for hardships without
having to go to trouble of figuring out liability and/or waiting for a
settlement - that burden is taken up by the insurance agency.

One might then say that yes, the man here still should take the Lidle
Estate up for his deductible... but that's negligible.

The thing that destroys this for me is the 'emotional pain'
nonsense... To be blunt, **** happens. Your lack of maturity in
being unable to emotionally cope with a stressful situation is not our
problem... Period. Grow up, deal with it, and move on.

I say this as someone with a degree in Clinical Psychology (I guess
its a good thing I decided not to become a therapist, eh?