Water/Damages to Tenant Belongings

[Tanaya Fisher]

Hey All I posted about this in another thread, however I now have all the details in order. I’m still fairly new to being a landlord and I just would love some advice on how I should approach this in the best possible way 

I own a duplex, I live in the in the 2nd unit with a tenant at the bottom unit. Over the weekend there was a leak from the 2nd unit toilet. Tenant came home that sat. night and informed me about the leak. I immediately went down to her property. Noticed the leak was coming from the toilet and I shut the valve off.

Here's the problem tenant mattress had some water stains on there from the toilet leak. Before signing the lease tenant had to show proof of renter's insurance and it's required in the lease that she carries renter's insurance. However tenant has a 5k deductible insurance plan.

Am I responsible to pay for Tenant's belongings?

Side Note: the lease states under Insurance and release
"tenant understands that Landlord's insurance does not cover tenant's personal property, or tenant's guests. Tenant is advised to obtain personal property and liability insurance to protect Tenant, tenant's personal property, and tenant's guests who may be injured while on the property

Initially I thought I was obligated to cover her personal belongings because the leak came from the unit I currently live in. I also told her I would cut her a check, however she was not satisfied with the amount I offered her and she then said, "I'll see you in court."
Just want to make sure I go about this situation the right way.

Thank you!