If at all possible, you need to demonstrate that you were not responsible for the damage and reported the damage in a timely manner to the landlord. (money.stackexchange.com)
The majority of those with reported damages involved allegations relating to property management, agency, or property condition disclosure. (realtormag.realtor.org)
If you can see that your insurance policy does not cover your basement damage, do not report the damage to your insurer. (pocketsense.com)