I own a rental house, I rented the house for 5 years without a lease being signed?

[Anonymous]

by my tennants. They moved out 4 months ago at my request. I inspected the home afterwards and the carpet needs replacing and the walls and ceiling needs painting, it looked at though there could have been some sort of smoke damage. Can I turn this in to my insurance company even though I did not have it down as rental property. Also; the insurance is still in my deceased mothers name. I need advice as to what my legal rights are now. Any help will be appreciated.

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