by demarco » Thu May 03, 2012 3:21 pm
To my understanding, the owner of the property should have insurance on their property, which would cover any damage to THEIR property if a burglar came in and caused damage, but that would not cover your property. Your property would only be covered if you have renter's insurance, but as you have stated it was only damage done to what the property owner owns and you have a police report, the property owner should be able to settle it with their insurance company. That being said, however, considering the keys were still in your possession, they may be able to claim it as your responsibility. If I were you, I'd scan my lease to see if there is any mention of burglary. I would also contact a lawyer or legal aid and explain the situation to them. Often lawyers have free consultations and can advise you to your rights.
It seems a little weird to me, too, that they are only charging you for part of the damage. Try getting in touch with the office and letting them know they can run it through their insurance. Or if you had renter's insurance, give your company a call and ask them if your renter's insurance would cover anything.