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You said it better than me. If this situation happened to me, I would claim on insurance and ask the tenant to pay the excess. If it was a smaller claim, I would claim the repair from the tenant or the bond. Luckily (touch wood) we have not had any issues like this to deal with.

That is what I mean. If the tenant refuses to pay, you have to do what you have to. Insurance would be cheaper and easier than pursuing a tenant through the courts.

What if the accidental damage far outweighs the bond?