One other aspect you need to be aware of is that most Insurance Policies contain a clause stating that a Claim will not be accepted if the event is claimable under another existing policy. The tenants contents insurance Co., may be ‘testing’ if the landlord’s insurance does not cover ‘consequential damage’ to tenants property.
You would need to show that your Landlord’s insurance does not cover said damage.
If you are prepared to ‘compromise’ just ask what the tenant’s excess is for a claim and if reasonable, offer to pay that. In that way the tenant bears no cost.
Geoff