3rd floor tenant caused water damage to 2nd floor

[Sasha Fukuda]

So, I have a triplex rental property in Keene, New Hampshire that has a unit on each floor. I got woken up at 3:30 am this morning by a phone call from the second floor tenant. Apparently the 3rd floor tenant left the water on and a sink overflowed. The water seeped thru her floors and into the 2nd floor unit, destroying a lot of their personal possessions and damaging the property. Luckily, the 3rd floor tenant has tenant insurance (i think they both do). I'm pretty sure that my own insurance won't cover damage done by a tenant. I'm just wondering what else i have to do today/ tomorrow. It's been really difficult to find contractors. I think everyone is booked out way in advance these days, and i don't have anyone i regularly go to. It took me half a year to get quotes to get a shower replaced and i still don't have it under contract, so i kind of dread having to find people to help me with this. Additionally, i'm not sure what has to be done. It sounds like the ceiling panels are soaked, carpeting is soaked. I don't know what else. Has anyone gone thru this before, or have any advice?

[Michael Noto]

Imagine how liquored up you have to be to leave the sink on? Since this property is in Keene do you rent to college kids by chance?