My Roomate Went on a Rampage and Caused 50k in Damage to the Apartment, my Insurance Says its Not Covered.
One of my roommates had psychotic break which lead him to use my house as a rage room. He smashed a toilet, put holes in the doors and walls, ransacked personal property, used anything breakable in site as batting practice (Lamps, pots, TVs, etc.), threw smoke grades in my and my other roommate's room, sawed through surfboards, etc. you get the picture. The reason I have heard is he was it had something to do with switching psychiatrists and medications.
Now my landlord is saying they are going to terminate the lease and send us a bill. We also have to pay for rent until they repair and release the place. My insurance says they are only going to cover personal property, which is covered under vandalism. They will not cover the property damage, which is by far the larger bill, since this is not fire, water, or smoke damage that are specifically covered/ the proximate cause of all damage was the roommate. Do I have any options from here as far as insurance goes? Its a bazar and unexpected situation which feels like what insurance is for...