My tenant decided it was a good idea to leave her young daughter in the shower unsupervised and the little girl decided to play with the shower head, all over the floor tiles. Needless to say, the water has damaged the flat below's ceiling and light fitting. Damages come to about £200 and my tenant has already admitted that the water was not due to a leak of any sort, and that it was her daughter that sprayed all the water on the floor.
Now, I would have thought that the block buildings insurance policy would cover the ceiling damage to the downstairs flat but my managing agents tell me that it only covers the communal and external areas of the building (not sure if that is true).
My question to you knowledgeable folk is, is it my responsibility to pay for the downstairs flat's damage even though it has been established that my tenants upstairs negligence has caused the water damage?
Hope to hear from you all soon.