Apartment Flooded due to tenant above I have no insurance
My apartment has flooded from the upstairs neighbours toilet directly above me. (I did not cause anything or am I liable) water has come into my living room and my second bedroom, and also affected 3 other units including the 1 above. (over 100 gallons they estimate) my unit is owned by the building owners and managed by property company. I moved in 2 months ago and I was never told i had to provide proof of tenant insurance to get keys but I was given the keys anyways.(It is in my lease on page 5 that I need to have it and I did sign it) I was never told I had to provide before moving in. yes I know I should’ve got insurance right away I know.) none of my property has been damaged, but they now have torn all baseboards down and all the walls in the second bedroom and placed big dehumidifiers and fans all in the apartment and I’ve been told by the workers here that work will take almost 2 months and that they’re going to have to tear down all walls in living room and all the flooring in laundry room, bathroom, bedroom, living room. I was then told by the owners that they were gonna put me into another unit the same night while this happens In the meantime. the building is 4 years old and they have over 300 units in 3 buildings here and atleast 100 of them are empty. (which I thought they’re just going to move me and I continue paying my rent and nothing changes) they then asked for my insurance later that night (I suppose they’re hoping that the insurance would cover the expense of the other unit while I continue to pay for my unit while getting fixed) theyre now saying that since I don’t have insurance (someone was suppose to make sure I have it before I was given the keys) I have to stay in the unit while they continue to do the work and that even if I went to the LTB they would side against me because I signed the lease. (I truly feel the management company feels like they messed up and now they’re trying to hide the fact from the owners they didn’t confirm I had insurance before they moved me in because it seems like they’re desperate to get people in here and also everyone else in this community has been saying shady things about this company and that they are known to commit suspicious behaviour when it comes to insurance claims, idk or have proof of anything other then this just what I’ve heard and seen), i was not looking for a payout or free rent but I have a mini size dog who is a bully breed I rescued when he was a puppy that was abandoned because someone thought he was dead and I don’t want to keep him in this environment, as it is now a job site and is unlivable, if I were to have to move to another location that Is fine and pay for out of pocket because I made a mistake by not having insurance I will have to do that but I don’t want to be stuck paying for this place while I’m away or stuck in this lease for a year after going elsewhere. I would just like to know what are some options as I’ve had a lot of opinions from realtors I am close with and im suppose to talk to lawyer tomorrow but Im looking for some clarity I’m wondering do I request my lease to end and I leave or do I request something else idk any help would be greatly appreciated and thank you if you read this far.