You’ll need confirm your thoughts, and who then pays, from the actual legislation relating to this. Aswking in here may be right or too general or may be wrong. But for my 2c worth which may be one of the 3, I’d think the flip the apartment upside down and see what doesn’t move will tell you which is the committees cost, and which drifts or crashes to the floor is hers, and her home contents insurer if she has such.