Real Estate Law
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The insurer and you should identify full scope of damages and expenses and seek recovery. You then can pursue the tenant for the balance caused through demand and if needed lawsuit seeking the balance, collection costs and interest. Having a timeline of events, photos, inventory list helps present the case more easily both in demand and if needed court.
Insurer has to point to a policy exclusion. Otherwise must cover and you can sue insurer.
You separately want to pursue the tenant for the full amount, so you stand to recover from at least one of the two avenues!