Is this the Pacific Insurance Claims Office? What a bull!

All the board furniture is cracked by soaking in water, and the insurance company will not make a total loss. The total loss refers to a fire. The 30% you said is definitely not the proportion of responsibility, but the proportion of loss. In addition, I think it is public liability insurance, which is not good for you, because it guarantees that the insured will not be liable for the losses caused to others within the business scope, and your home is not within the property business scope, so strictly speaking, you can refuse to pay compensation. As for insulting remarks, you can report the parties to the insurance company or the CIRC with evidence. In addition, your loss can be claimed from the property, or your own home insurance, and his insurance company has no direct legal relationship with you.