Tenant forgot the bathtub faucet running causing a water damage. Who should pay?

[Yaniv Sigler]

Hello,

My tenant left the bathtub faucet running, causing an overflow and significant water damage. Does renter's insurance typically cover this? If not, can I involve my insurance, or should I deduct the cost from her deposit? If I involve my insurance, can I still deduct the amount from her deposit even though it might increase my premium?