What kind of insurance is this? The letter says the incident was UNFORESEEN and the lady upstairs was not NEGLIGENT, which may be true but these points are irrelevent. The whole purpose of insurance is typically to cover unforeseen events and accidents, and ones that are typically NOT CAUSED BY NEGLIGENCE. The fact the event was unforeseen and not negligent should FURTHER SUPPORT the argument that the insurance company should payout for this. It's the whole fucking point of most insurance policies. What insurance company is this and what type of crazy insurance is it? What kind of fucked up insurance company writes letters saying we are not covering the incident since it was unforeseen and not negligent? Some policies might not cover floods, typhoons, other acts of god etc but to refuse a claim because it was unforeseen and NOT negligent is the dumbest thing I have heard in a very long time.