<prompt> Human: I live in NYC and we had significant water damage at the fault of our apartment building pipe burst above us. We have renters insurance, as required by our lease, but feel that the building should be liable to cover the deductible and our insurance reimburses for the remainder of damages? Per our lease, Gross negligence may need to be proven, which I am unsure how we could determine as tenants. Does anyone have experience with their landlords covering deductibles without proof of Gross negligence?  <response>: For a water pipe burst you would have to prove the LL didnt maintain the pipe properly. If this is just a pipe failing that would not be negligent. If they let the pipe freeze that would be negligence. Getting them to pay would require you to go to court and hiring an expert to testify that the LL was grossly negligent. 