Should tenants' renters insurance pay for loss of 'quiet enjoyment'

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http://www.biggerpockets.com/forums/81/topics/129264-does-insurance-pay-for-legal-help

Right now I have a lawyer and so does my tenant. Her lawyer wanted me to try to get money for her for loss of wages, stress, basically loss of 'quiet enjoyment'. Checked with my insurance. No way. They said my tenant was going about this wrong and should contact her own renters' insurance. That if the place (flooded) was uninhabitable or whatever then they should have paid. I gave her a $500 break for 4 months that it took to repair everything but she wants the rest of the rent back for 4 months. That's a little over $4000. She's probably close to suing me, I don't know. Has anyone been thru anything like this before or know which way I should go? My lawyer is trying to negotiate with them to put this to bed. Maybe that's the best bet. Ok, if my insurance company won't represent me in this situation what would happen if something really bad happened? Like the place burned down and someone died. Would insurance represent me or hang me out to dry?