Whose insurance will cover sprinkler damage after an apartment fire?

"My upstairs neighbor's sprinkler caused some damage to the ceiling of my apartment during a fire. Whose insurance will cover the damage? My neighbor's? My own? My landlord's?

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Answer provided by
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Alexah Grinnell
Answered on Apr 07, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
“If someone else’s sprinkler system causes damage to your apartment during a fire, the liability falls under the person who caused the fire. For example, if your upstairs neighbor left a candle lit that caused the fire, they would be responsible for the damages.
On the other hand, if the fire was caused by faulty wiring in the apartment complex, your landlord would likely be liable for the damages since they own the building and are responsible for keeping it safe.”
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