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Oliver Schick
@bq
There's some kind of rule of first resort, so if you have insurance which covers that you need to claim on your own household policy. They will pay out and then claim against the landlord's insurance.
This was how we got our house refurbed after the next-door mansion block had a big fire and the fire brigade damaged our roof, and soaked the place, and then the mansion block's builders made even more damage. We got furniture, rugs, carpets, wooden flooring, plastering, painting, roof repairs, and a new skylight, all for nowt.