u/ConJohn93

A friend of mine bought a house 3 years ago, my brother and I moved in as tenants in his basement. About a month ago we woke up to a flood alarm at approx. 6:30am, the basement bathroom faucet was running and had overflowed the basin. We cleaned up, and he chose to file a claim for damages. Today we recieved mail from his insurance company informing us their investigation has determined we may be held responsible for the damages pertaining to the claim.

We both deny having left the tap on, and some cursory googling suggests that a single mixer tap like this could wear out and turn itself on, especially if there were water pressure differences. Neither my brother or I hold a tenants insurance policy. How screwed are we?