*Loan,banking and credit>>>renters insurance

Who pays for the damage renters insurance or the landlord?

The owners of my apartment building hired men to renovate the upstairs apartments. The workers accidentally broke the water heater above my apartment and water leaked into my storage unit ruining alot of antiques I had stored. Who is responsible? Am I at a loss because I didn't have renters insurance?

Actually J.S. is correct. The owner is responsible for his building but you are responsible for your possessions. You should have had insurance on your antiques if they were valuable. The owner has insurance on his building only.
Find out from the LL who the contractors are, the company they work for, their address, then send the company an itemized list of damages and a request for compensation. However, you will have to have receipts for those antiques proving you bought them. This MIGHT work, however I wouldnt count on it.
Check your lease. Mine states that the tenant is advised to have Renters Insurance, and that we are not responsible for any damages to tenants personal property. Source(s): 12 yrs as landlord.

you'd have to look at the agreement you signed with the landlord.
if there was one it might have the that spelled out... if not you could try Small claims court (but you'd need proof of Value prior to the damage)
The owners have to get after the men they hired, to pay for the damage!
The landlord is responsible for the building. You are responsible for your things inside. You are at a loss because you didn't have renters insurance.
Your landlord is responsible. His insurance should pay for everything. Make sure to get all pictures so you don't get screwed over.
Typically in this situation if anything is damaged because of something the Landlord directly caused or causes than you nor your Insurance Company are responsible. The owner's would be responsible even though unfortunately quite often it is made to be a big ordeal and you may find yourself having to hire someone from the outside for legal advice. Many think that just because it is written in a lease and we have signed it then it is "set in stone" but that simply is not true. I was under the same assumption until I had an incident a few years back and learned that some of the statements on a Lease are not legally binding. I was able to contact my Attorney and get the help I needed. Best of luck to you.