I rent out a 3rd floor flat and 2nd floor flat below reported a water leak coming through their ceiling. The leak is coming from hot water cylinder in my flat. I will have to pay for the repair in my property. Letting agent for flat below says I have to pay for their tenants excess to claim on the building insurance taken out by management company, I dispute this as I have not been negligent and I'm not the one claiming on the insurance. Am I right?
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