Jose wrote:
_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.

I can almost assure you that there are lawyers involved. This ain't
small claims court.