<prompt> Human: I am renting an apartment in Chicago and have renters insurance. Our landlord came in to fix a pipe in the apartment but accidentally caused a massive water leak that damaged some of our stuff. We have an email chain where the building admits that this flooding was caused by them. When submitting a list of damages to the building that we would like to get reimbursed, the building responded that we would have to file a claim with our insurance and the landlord would pay the deductible stated in an email. Should we file a claim with our insurance or should we pursue getting reimbursed from the landlord? Are there any negative repercussions for us filing this claim with insurance? Are there other courses of action we should consider?Thank you in advance for your advice!  <response>: While you could choose to file a claim under your renters insurance, if your landlord caused your damages it is your landlord who is responsible for paying. Hes just trying to minimize what he has to claim under his policy.Your choice, easiest route is to make the claim under your policy but feel free to attach your evidence that is was the landlord who was at fault so the slimy skunk can get a letter from your insurance company demanding he repay what they paid out on your claim, 