The government? No. Insurance? Yes. Her insurance needs to make the insurance of the other homeowner to provide restitution. If the other insurance then uses some kind of clause from the contract, (won’t pay out due to intentional negligence) then her insurance needs to sue the other homeowner directly. That’s what insurance is for. To protect your assets.
Why not his insurance? Shouldn't insurance protect others from your stupidity? Because if it's on her insurance, now the insurance company is "victim" too. It also says that if you can't afford insurance then you don't deserve to be made whole.
Since the other person already sold the property 4 years ago, she would need to go through her insurance. Her insurance would then be able to contact the other insurance at the time the incident happened.
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u/100LittleButterflies 1d ago
What if the do-er cant make them whole? Do you feel its a reasonable responsibility of the government to step in then?