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My apartment was flooded with water when the sprinklers went off on the floor above me to put out a fire. I don't have renter's insurance, but my lease has a 'Risk of Loss' clause that says "Landlord shall/shall not (circle one) be liable for any loss by reason of damage, ....(etc)." The landlord never circled 'shall' or 'shall not'. Does that mean they are liable? And if the landlord doesn't have insurance, would the building's insurance be liable for my damages? (I have about $3000 in damage). Thank you!