[nashville]

New tenant moved in and when her heating was turned on I had water running down one wall, ( I know it's not her fault as the house had been left in such a state from the last tenant ) thankfully I was in the house at the time, Council workers came today to fix under her floor boards and now they have left a crack in my ceiling,

Council said to claim my insurance and my insurance will claim the council, but my premium might go up if I do this, second choice I have to pay for it myself and then I can claim a third party from the insurance, But I don't trust them as they talk their way out of everything,