I don't really know. But, I would assume if there is a way af getting out of paying, they will find it!!
On the other hand, My Mother's insurance co. covered her when her tank crashed down through the floor. (Even though it was sitting on a garage sale type phone desk-piece of crap)
Smashed a hole in the floor-she got $3000!!!
(I got nothing for fixing her house...
)
But you are talking of a much larger claim