Probably
That depends. If the renter has their own flood insurance then the renter could certainly file a claim on it they have a flood loss. If your asking can the renter file a claim on the Property owners flood insurance then the answer would be no. The owners flood insurance would be specific to the owners property, not property belonging to a tenant.
No.
It is up to the insurance company to seek damages, not you.
You better believe it.
probably none.
Once the insurance company has paid the claim for stolen items they become the legal owners of the items.
You can either borrow money or what to get the repairs done until you have your deductible.
No, An auto theft or vandalism would have to be covered by the vehicle owners comprehensive auto insurance policy. that's what Auto Insurance is for.
Since it was caused by the vehicle, the vehicle insurance should cover it. Most home owners insurance companies would probably make a claim against the auto insurance company, if they covered it.
You wouldn't unless you have insurance on your lawnmower.
How about asking him. With todays privacy laws it is probably none of your business whether or not he has homeowners insurance. If there is a case where a possible claim may result and you don't have the nerve to ask him then it's not much of a claim is it.
In short-term insurance client might disguise a crucial information before buying the policy, which he might disclose later to claim the amount, misguiding the insurance company.