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I'm not sure if it is worth claiming as I have a high excess - would prefer not to claim against my insurance if at all possible.
What I'm wanting to know is what I can legally ask of the tenant?
Why do you determine that it wasn't the tenants fault? Pipes don't just break off toilets for no reason? And certainly not in the middle of the night? Our thoughts are that they must have been drunk. The tenants downstairs heard them fighting and throwing things around.