I have a small upholstery business on the first floor in a 4 story building. It was raining inside my shop last month. I contacted my insurance company for the damages to my fabric and content which exceeds $17,000. My insurance company denied the claim due to landlord neglict/roof being 20+ years old/ no signs of tear from wind... The water came from a roof drain that a coupling let loose and followed the pipe to my shops ceiling. The day before this happened a plumber was on the roof to snake the drains. so now I have contacted a lawyer he has contacted their insurance adjuster and the building never told them that this plumber was on the roof the day before. I think they are doing something skeetchy. BTW this building is a Free&Accepted Masons Lodge with 3 retail store rentals under it. No other tenants have been affected just me. are they liable for damages? and I told them I refuse to pay rent till this is remedied. They did however pay for a $7800 serv-pro bill.