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Renters insurance typically covers the contents of the house, not the house itself.
Your insurance typically covers the house. Different levels of insurance. Some will cover damage some will not. You need to call your agent to see.
Yes she is responsible. Small claims court will most likely rule in your favor, if you have to go there.
Sheet rock and paint are cheap. If she is a good friend, do it yourself and save money.
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“The wave is not the water. The water merely told us about the wave moving by” – Buckminster Fuller
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