Tenant dog caused fire-Insurance? Deductible?

[Sacha LaCoss]

Rental is located in Albuquerque New Mexico 

So my tenant was not home and her dog broke out of the kennel and dragged things all over the house including a couch cushion over the gas floor furnace. Neighbor heard the alarm saw smoke and Called fire department.   

Small fire-was easily put out-damage to wood floor-sub floor and furnace. Minor damage to one wall right next to the furnace.  They pulled the gas meter and fire captain explained what happened and that report will say tenant is at fault-accident.

Thankfully no one was injured not even the dog 

I filed a claim with my insurance  and tenant has renters insurance with same insurance company as me-State Farm she also filed claim of some sort or notified them. 

Lease states “if any required repair is caused by the negligence of the tenant or tenants guests the tenant will be fully responsible for the cost of repair/and or replacement needed“ 

Should this be claimed on my insurance? 

Does the tenant have to pay the deductible? 

I have never filed a claim against my homeowners insurance for a rental or my own homes so I am pretty clueless about the process or any pitfalls. 

Appreciate any advice or information you can offer.

Thank you, 

[Marc Winter]

When we had a tenant-caused kitchen fire, we filed the claim with our insurance carrier, and they subrogated to the tenant's policy.  Eventually, I received a check for the deductible.  

This situation will make a great story for the book you'll write about your landlord adventures!

Glad no one was hurt.