Good question on insurance.
Having interviewed a travel insurance executive once I recall him saying, "if it isn't in the policy they aren't going to cover it." And I have never seen a policy that says they cover accidental room damage. But if the cruise lines actually start banning people for this you may see them starting to cover it.
I just have to say this is the first time I have ever heard of a cruise line asking a tenant to be responsible for the room damage.
I am guessing something else entirely happened. Some people just dont know when to let something drop.
I'm not saying it was the ship or the passenger, I'm just saying some people.