_IF_ this gentleman has renters/homeowners insurance, then I have to
agree that they are the ones responsible to cover his losses

Isn't it sort of risky (as the affected party) to decide these questions
on your own, when a judge may disagree (to the tune of a million
dollars) with your amateur assessment of the legal status of your
damages? That's what lawyers are for.

Jose
--
Quantum Mechanics is like this: God =does= play dice with the universe,
except there's no God, and there's no dice. And maybe there's no universe.
for Email, make the obvious change in the address.