Fixing tenant induced damage that is not covered by insurance

[Deddy W.]

Hello people of BP,

I have a 4-plex in Mesa AZ that is two-storied. One of the second floor tenant installed tile floor on her unit - as the result, the floor bowed down due to the weight of the tiles. I tried to file a claim to my insurance company, but they call it as "wrongful installation" thus denying the claim.

How do you deal with situation like this? Do you ask your tenant to contribute? I got an estimate from my property manager that the cost of repair will be north of $1.5K >__<.

Thanks!

Deddy