Burst pipe in rental property.

[Otho Keller]

Quick background, my father passed and the property is in the Estate now. We are in MD and are having record lows. Long story short a pipe burst causing flooding in a store front downstairs. Our insurance is coving the building damage, but who would cover the tenant merchandise damage? The tenant said he does not have insurance because this same issue happened in 2011 and 2015, but I am unaware of it, and cannot verify his claims. So he has been operating his business without insurance for the past few years. He is threatening legal action, and I was wondering if anyone has experienced this before and how it may have turned out? Thanks in advance.