Student or Learner
Are the following sentences natural to a native ear?
1. Wouldn’t the guys living below you have had their own insurance?
2. Wouldn’t it have been much easier just to have somebody from the open market come and fix the floor?
3. Imagine what you would do, if you were not in the house and it got flooded and damaged the neighbor’s property.
Assuming a suitable context, all three sentences are correct and natural-sounding.
in #2, some people would also say "...just to have had somebody...". Your version is better, IMO.