回複：保險公司cover的是天災人禍，你的case是normal wear and tear。所以你還是要找住客負責。

It is not normal wear and tear.  Otherwise I won't consider insurance.  The tenants got something on the wall.  Then tried to cover it.  The problem is many many rooms.  It is hard to judge whether it is intentional.

The insurence has  Vendalism and Malicious Mischief category.  I believe it should belong this case.   I am seeking legal opinion.