Background: I live in flat in house where ground & top floor are separated. Both flats are rented by same owner. Problem happens about year ago. My neighbour had a faulty waste pipe and because of the leak celling in my flat collapse. My landlord sort that and said that from now on every think should to by fine. After few months celling start having a leak water marks with I straight away report to owner. After his visit he told that is a not a big leak and if that will grow up I should let him know. Problem: About a month ago I left the laptop on the table but my 3 years old son move this on a place where over night peace of celling collapse again and damage my laptop. I try to deal with this because I read damage should to be cover by owner of the flat above but he is saying that I should have a Contents insurance. I didn't have one of this and now I'm stuck. I read that even I will have a Contents it still should to be cover by owner of the flat above because it was only his fault. Today he send me text where is saying that if I knew about possibility of leak I shouldn't left it my laptop there. (leak was nearly of the middle of the room) Any advice much appreciated.