Thanks for the responses.
I was referring to landlord's insurance for the building, not for our personal property. In case that they falsely prove that it was our fault and our insurance ends up settling a liability amount, wouldn't their insurance pay for the remaining expenses if any? (They required us to carry renters insurance before we moved into the apartment and we bought insurance as per their specifications). Yes, I'm aware that proving negligence if not easy and it will certainly not be easy in this case as the windows were closed when we left the apartment. The heater was off while we were away, but we have had the heater off for few days before while the windows were closed and the temp was maintained fairly well inside. Also, the building is very old and the other windows in our apartment would leak air when its windy outside. The pipes burst at 2 different places and one of them being near the front entrance of the apartment. I would believe the insurance agents/adjustors/inspectors would inspect the building before making decisions.
Also, our apartment unit is uninhabitable, but the landlord says its okay to live in there. (no flooring, ceiling torn apart, etc.). They state that renovation would begin within a month, but not sure when it would be completed. However, we re still required to pay monthly rent. Is there an authority that determines the safety of our living situation?
Also, the landlord casually told us verbally that they are preparing legal paperwork to evict us out of the apartment- on the basis of negligence. As an alternative, they would like us to break the lease. Seems they want us evicted, but they do not have a strong/valid reason until its proven. How long does eviction process take? and what do I need to know about eviction?
All this hassle of wasting time, energy and resources due to improper building maintenance and pipes bursting. Any input is greatly appreciated.