Lizard, cockroach, mouse touching utensils and clothing

Q:

1. Today I found a lizard in the utensils cupboard and in trying to kill it, it hid inside the cupboard and traveled from one to another. I did not know where it went, so I took out all utensils. Still I did not find it. I washed all utensils of all the cupboards by pouring water once. It took around 3 to 4 hours in doing all the effort. I am not worried that if I place the utensils again and i find it again, do I have to wash all the utensils again? It was really so hectic. Is lizard najis?

2. A cockraoch ran over my leg in the washroom. I poured water over there three times. Had I become paak? I read in an islamic website that a cockraoch in the washroom is napaak. Is it true?

3. Last year a mouse used to come from Indian toilet and roam around the washroom. We somehow managed to get rid of them. But once a shirt piece of my suit fell down over the washroom floor place where it used to come every night. I washed it many times but I don't feel like wearing it as I feel that the mouse used to come from such a dirty place with traces of dirty water from the flush and my cloth fell down on the floor. Am I doing right by not wearing it?

Gifting the house to the wife

Q: A man passed away leaving behind a wife and six children. In his lifetime, he contributed monthly towards a retirement fund, and whilst alive, he had written and signed that he had made his wife 100 % benefactor of this fund. In addition, he had a house in which his wife and children live. In his lifetime, he mentioned to his wife that 'this house is for you'. Does this fund and house form part of the inheritance to be distributed?

Touching the Quraan without wudhu

Q: How can you say that wudu is required to read Quran (even on a mobile phone), while Allah has mentioned it (wudu) to have to perform salah, not for reading Quran. And our Prophet(sallallahu alaihi wasallam) has told us to be taahir (in purity). Is a Muslim not taahir without wudu. Is it not laying unrequired boundation which keeps millions of believers away from reciting the Quran that really inspires us to stick to the Deen, more than anything can, though I understand that it is better to have wudu always!