Do I have go to abritration if the person did not have homeowners insurance

Good afternoon.  the lack of insurance has no impact on your litigation options.  If you cannot reach agreement to settle the claim with the other party, you can initiate a lawsuit in court.  The amount in controversy might dictate where you file.  For amounts less than $12,000 you can file with the magistrate.  Arbitration division of the court of common pleas generally has a limit of $25,000 - $50,000 (depending on your county rules).  Above the arbitration amount you must file in general civil trial division.