Thank you for your follow up.
I cannot comment on your specific case, but the tenant does have the duty to report any water leaked that is discovered by the tenant right away and also tenant has to take immediate action to mitigate damages, such as shutting off water, until the leak is repaired.
So, generally, it would be up to the judge to decide if the tenant contributed to the extent of the damage by not timely reporting it, if such issue is litigated in court and is not resolved between the tenant / landlord and their insurance company.
Generally, the determination by the judge would be based on all evidence and testimony presented in court by both tenant and landlord and also any expert witnesses, such as licensed plumbers / contractors.
Generally, it is a good idea to report the issue to the renter's insurance company and to let the insurance companies negotiate a resolution of this unfortunate issue.
I wish you the best of luck!