You can't sue yourself and make you replace it. Either way, tragic situation. And no, I don't know the law. So I don't know if the poopra owner has any options or not (however, I would imagine so). Its someone else doing damages to your property, doesn't really matter if accidental or intentional. I would imagine you wouldn't need fire damage insurance for that.
"Soap and a shop broom? Oh man, that's rough. Been there." ~Kenny "Eww. Is that what jail is like?" ~ John "+3" ~Guapo