It sounds like the neighborhood and the incident was a one-time experience.

As has been covered in this thread ad nauseam, you filed a claim and the carrier denied it based upon the facts of the incident.  

UD judges can be pretty nutty sometimes.Reminds me of a movie I saw about how President Kennedy handled the Bay of Pigs incident, he got two separate messages from the Russians and choose the one he liked best and denied receipt of the other...it worked.

That should solve the incident faster than court, as they are probably not even tracking it.

There is literally nothing the same between these two incident, different catalyst, different mitigating factors, different starting, different players, different responses, different governmental level of primary response, just all around different. 

You may attract liability if the oil storage wasn't legal and actually created the risk of an incident. 

There are some that will provide coverage with Animal Liability excluded which would be extremely bad for you if there was a claim.Regardless of who's realy at fault the incident is, they will look to make it the fault of the person (you) with the deepest pockets.

At the time of the incident, my tenant advised that she was clearly responsible and would cover my deductible, however her commitment changed when she started to get an idea of the cost associated with water removal and repair.  

While hes still there, get a police report on the books for each incident.

Her fear of the mouse in the house is legit though and I’m hoping this is an isolated incident.