Thanks for all the responses.
So I have a property Management company. When I contacted them.. It appears the garbage disposal was an unrelated issue. Apparently the "sheetrock was old and secured with nails. The nails came loose overtime"
Looking through the lease. I found a few clauses. Under Indemnification " owner not liable for damages....to property occurring on premises unless it is a proximate result of intentional or unlawful act of owner." " Tenant agrees to hold owner harmless from any claims, no matter how caused unless it was a proximate result of intentional or willful acts of owner."
Under Insurance "tenant to provide own insurance for possessions both inside and outside of premises. Tenant Acknowledges they are responsible for providing insurance for their possessions or vehicles and owners insurance will not cover tenants possessions or vehicles. This includes Flood, fire or any other cause."
My PM company said tenant should turn in the damage to their auto insurance and the owner should also file a claim through their homeowner insurance. From there, the two insurance companies would handle everything and determine who is liable/pays for repairs.
Should I do this? My Deductible is higher than the stated damage to the vehicle anyway, but i really dont want to be stuck paying that amount of money. It would negate pretty much all the positive cash flow for a year.
Thanks for your help.