Ok - assuming you did have insurance and they wont pay out on this basis you can bring a claim.
You cant bring a claim for distress and inconvenience on behalf of your tenants, because you can not act for them.
You need to write and set out your losses and request compensation (for the accommodation costs) within 14 days or say you will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not refund you then you can issue proceedings in the County Court. You can either do this completing form forms at https://www.scotcourts.gov.uk/taking-action/small-claims and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the claim is for £3,000 or less it will be a summary cause procedure, over £3,000 but under £5,000 ordinary cause procedure so you will not need legal representation. Over this value you would need representation for trial.
Can I clarify anything for you about this today please?