You have not specified what the ‘error by your tenant’ was? I assume they left a tap running and flooded the place, or something similar. Most sensible thing for you to do is read your PDC of your insurance policy to see if it will cover ‘tenant error’, and submit a claim anyway since you have nothing to lose. If they decline your claim then you have your answer.
Good luck claiming from the OC.
Good luck claiming from the tenant who I assume lives off the smell of an oil rag, or has already vacated and moved elsewhere and probably adept at evading debt recovery proceedings.