@tobixen, Here in Canada I ahve yet to run acrossa company that would not cover the damages. Not sure what you got for isurance but I would insist they cover everything. Do not low ball unless they say it is not covered. The point of insurance is for something like this. We had a dishwasher one time that had a leak and ruined the kitchen floor and the insurance company completely covered all expenses including labour. Good luck.
RE: On being a landlord ...