Toilet water damage/leakage

[Carlos Appezatto]

Hello BPs. Have a rookie question related to maintenance/incidents. Last week my tenant called me saying that the toilet malfunctioned and as a result it leaked water for 2 hours approximately and cause a big flood into the closet, master bed, hallway and one of the guest beds (water came thru the wall). He said water was about 5 inches in the master bathroom. I immediately called my insurance company to file a claim and in parallel called a restoration company to go over and contain the problem. They (rest company) showed up to remove the water from the carpets and remove some of the baseboards for drying walls that got most affected. They ended up leaving the house with 20 fans to dry everything. Problem was contained! The problem is that on the next day I got a call from the adjuster saying asking for some additional details and saying that he reviewed my policy and this type of damage/incident was not covered. Called my insurance agent and he confirmed it was not covered but also stated that this seemed to be negligence from the tenant and wouldn't be covered by the insurance anyways. The tenant does have the renters insurance and he did file a claim, we expect the adjuster to stop by today or tomorrow. Nevertheless, would like to ask your any guidance or advice you may give me in this situation. The restoration company provided me with an estimate of $3,500 which, at this point, is coming out of my pocket. Thanks in advance and have a great day!!