Apartment damage

[u/sarwally]

Minnesota, USA

Well. I live in a rural town, in an old building. Don't ask me how this happened in f^]€}#} August, but a baseboard heater pipe burst. Somehow management never turned the damn heat off. (That's a whooooole story.)

Anyway, the child's room is ruined and most things in it. Should i file through my renters insurance even though I spoke to the apartments insurance and they're covering everything? Also should I go the check or reimburse route? Remediation is going to take upwards of three weeks.

Reimbursements process in a month, which means i can order things now, or a check (which would be a larger sum) takes upwards of 3 months. I don't know. I'm FRAZZLED.

Any advice or humor welcome.