The answer is that homeowner's insurance covers negligent and not intentional acts. Simply winning a case isn't any good if you cannot collect the judgment. That's why the Plaintiff's lawyer pleaded negiigence; so he might be able to collect from the insurance company.
On the other hand, it means the homeowner Defendant gets a lawyer paid for by the insurance company. That beats paying for your lawyer yourself.
All makes perfect sense...and yet...
Since it's really all the man can do at this point, I hope his counter-suit works out