My question involves landlord-tenant law in the State of: North Carolina
My roommate recently had a house guest that she did not know very well. She left the guest in our house, unattended, for 3 hours and when she returned most of our electronics were stolen. My laptop was stolen from my room. In the lease it states that she is not liable for personal property damage due to theft, however it doesn't say theft due to negligence. In addition, the only provision in the lease for the leaser--and assumed their guests--to enter my space is if I have abandoned the property. It seems to be like she was negligent and got our stuff stolen, but has also broken the terms of the lease by entering my space without the proper reasoning. I'm trying to use that claim--that she broke the terms of the lease--as leverage in our compensation negotiation. Finally... she is making an insurance claim for her stuff. My question is, wouldn't the insurance company just dismiss this claim on negligence? I mean, if the police report says, "my guest, whom i let into my house, stole from me," is there really a valid insurance claim to be made?
Thanks for the help.

