Could I be sued for negligence?

[Kat Hem]

I bought my first two properties two years ago in Rochester NY. Last year I switched car insurance companies and forgot to add back my umbrella policy.  You guessed it, a meter was broken into at one property and RG Electric demanded a whole new coded meter that was out of stock for 6-7weeks.  My general insurance denied my claim because it wasn’t over my deductible at least the part that wasn’t the city code issue, which wasn’t covered.  I didn’t realize the power was off in one apt for an entire month after that until RG E turned all four units off a month after the tampering (past Thursday). I got the families to friends and hotels when they didn’t have them, but it looks like it may be possible I am negligent for not offering a hotel to the first family who have a small baby, even though she had been staying w friends.  I have the normal clauses in our rental agreement and with my property manager, but from what I am reading I could still be liable for not verbally offering habitable housing.  Any insights or advice on how to proceed?