What you want to know about this? How to get payment for the damage out of the other people who are responsible when they may not have the money or insurance to do it?
It would normally be their buildings insurance not their contents insurance that would cover them for this. However if none of their insurance will cover this, then that is their problem and they are personally liable.
It doesn’t matter whether she claims that she can ill afford to pay for the damage or not, if this is a result of their negligence, they are liable to pay for the damage, it is as simple as that.
I would get a quotation for the work (not an estimate because courts prefer quotations and present her with your pay bill and ask her to refund and if she doesn’t, within a reasonable period of time, say that you have no alternative but to take her to the Small Claims Court.
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