<prompt> Human: Apologies if this isnt the right sub but I know many here could most likely help with their input. As the title reads, me and my partner had an upstairs neighbor go crazy on a party weekend and people staying there destroyed the bathroom by leaking so much water it flooded one of our closets and hallways. We live in an upscale condo rent and its mostly concrete so the leak was contained well. Unfortunately we lost a computer and a lot of books however my partner is a painter and there is the problem. She had most of her paintings stored there and we lost about 18 paintings, the equivalent to her of about 20-30 weeks of work. She works with a lot of large portrait paintings. Im wondering how we rightfully claim this for insurance purposes? We have renters and already spoke to them and will be sending an assessor today. Since the paintings are subject to opinion on price point it makes it difficult to assess. Most paintings she does sell between 800-2,000 each. From an accounting perspective, whats the right way to asses the loss?The maintenance guy from our place already confirmed it was our neighbors fault and no leaks were found. No shower curtain on the shower, 8 people staying there for the weekend, and toilet overflowing due to clogs.Assistant: Depending on your policy, I have a sneaking suspicion that you will be limited in coverage. Normally, unless its scheduled, appraised art, there will be a max payout say 1000 for the category of fine art. Or a percentage of contents for any one category. I would search for any receipts showing what the paintings have sold for previously and present those. Human: In this case, its not art its product and she has receipts from sold paintings to show the value.ETA: You should be going after the upstairs neighbors insurance, as it was hisher negligence that caused the damage. And because it will be liability, not your own renters insurance, the potential for limits on coverage of business materials wont be an issue.Assistant: I have a lawyer friend Im going to seek counsel with to get their input.  <response>: Thats the best idea of all. 