Tenants caused damage to another property, has no insurance

[Hiro Kitagawa]

Hi all. I have a rental property in the sate of Kentucky. The tenants in my condo (upper unit) left the water running while filling a bathtub, resulting in water leaking into the downstairs condo.

My tenant has $300K liability insurance, but apparently it doesn’t include any negligence water damage. The lower unit owner has contacted her insurance company as well as Serv Pro to assess the damage.

I called my insurance company and they said that my insurance would cover my unit, while the lower unit owner’s insurance would cover her damage.

With the above in mind, I’d imagine her insurance company would look for someone to collect the money from. Would they come after me (the owner of upper unit) or the tenants who caused the damage?

Thanks for your input in advance!