If you can establish that they negligently installed a wood stove, and negligently left it burning causing the garage to catch on fire, yes. (Do they have jobs or money to pay a judgment?)
If they negligently installed a wood stove, and negligently left it burning causing the garage to catch on fire, and the court accepts that you didn't approve installation and didn't even know the stove existed, no. This would be "all their fault".Quoting Skyemay
You would have to ask your insurance agent what coverage he has. I hope they step up and cover your loss; if not, consult a lawyer.Quoting Skyemay

