Hypothetically speaking - it would be ok, right? You do have insurance on your houses, correct?
I know that you don’t get this, but when you say something stupid and awful like “they were all insured so it’s fine” and then you are immediately proven wrong, it would be better to either own the stupidity or not respond at all. The route you continually choose requires you to say increasingly ridiculous things and makes you look like a dipsh*t.