Sorry to see your bad luck. Things like this happen and seldom do the other property owners insurance pay up. Small claims court can be a waste of money. You will throw good money after bad. I am not a Lawyer
Here is a little secret about small claims court and TV shows:
Accountability is her thing, and like most of what you see on television, it’s mostly an illusion. Because as even Judy Sheindlin has acknowledged, after she admonishes guilty defendants and orders them to pay for what they’ve done, the producers write a check to pay for those damages and give everyone in the case an appearance fee.
In other words, the producers help the defendants avoid accountability.
You can look into it for yourself. Both sides get paid to appear. Plane, food and hotel rooms paid for. Maybe you can get a few bucks for a new toy.