Hoping for a renters' insurance miracle

Q: When my tenants moved out leaving the place a mess, I hired a handyman to do some cleaning and repairs. While doing the work, he fell through the floor, which had become spongy with rot. Apparently, the pipes had been leaking for some time, and the tenants never told me.

My helper has medical bills and missed a couple of weeks of work. He has no insurance, and thinks he can be covered by my insurance policy. But it just occurred to me -- these tenants had renters' insurance. Because they caused the problem during their tenancy, aren't they (and their insurance policy) responsible for the results of their carelessness? --Dan P.

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