Arguably, the homeowner may not want to give it up -- the debris is likely to be worth way more to a collector than the damage it caused, especially since there's video of the crash.
Of course, then the question of "who owns it?" comes up -- the ISS *clearly* discarded it, and by chance it ended up in the homeowner's possession.
Typically, meteorites belong to the land owner where they fall, and this isn't debris from a crash like we had with Columbia -- it's literally trash from space.
So, maybe the lawyers will be arguing about it for a while, or maybe the homeowner will just give it to NASA without any drama -- I know that the previous article says that NASA now has it, but that doesn't mean they get to keep it. Or maybe NASA will analyze it and then return it without any drama.
Either way, I imagine that the homeowner will file a claim with their own insurance, who will then file a claim with NASA or Japan (or both?) and if they recover the money, the homeowner will get their deductable back.