Hello, a few days ago there was a fire in the apartment I am renting as a tenant, I am not sure if I caused the fire or not with a cigarette by the window. I am in good terms with the landlord and he told me to not worry, and that the insurance
company will take charge of the damage. The fire wasn't very big, fortunately I called the fire brigade very quickly, but when they got there, in order to put the fire down they created lots of damages including the down floor (it got flooded).
I am here in the US for one year studying but actually I am from Spain where I have a very small and inexpensive inherited apartment, apart from that I never had big incomes.
The questions are:
-What are the procedures that the insurance company usually carries on?
-Is my apartment in Spain in danger?
-in case yes, can I do something to keep it safe?
-The house itself is in very bad shape (old wood all over), in case I would get any liability, would it be shared with the landlord?
-How will decide if is a negligence by me, the fire brigade or the insurance company?