Health- Why would BSD ask a question here looking for adivce while providing false information?
A din torah would be necessary if there is a disagreement between two individuals. BSD is not really looking to sue. He wants to file a claim with the homeowners insurance. As this usually lends itself to a deductible and potentially higher premiums, a psak from a Rov allowing him to proceed should be enough.
If, however, the homeowner is denying responsibility then you may need to go to a din torah before filing a claim because the claim will cause him a finaicial loss.