My question involves landlord-tenant law in the State of: Utah
So tonight I was in the shower when my sister tells me someone is knocking on the door. So I change quickly into clothes and go to the door. My neighbors from downstairs is there to tell me that water is dripping into her bathroom.
I go down to her apartment to look at it and there's this huge bubble above her shower (our units are exactly alike so my shower is over her shower) and it has a few cracks on the bubble and sure enough water is dripping out.
We both agreed to call and talk to the apartment complex in the morning and have maintenence come look at it. It's not too bad but I'm worried it might be a bigger problem than it seems.
Now I know there was some water on the floor when I got out of the shower, because I had realized that a part of the shower curtain wasn't fully closed while in there. Would that be negligence on my part? I don't really think it was enough to make that big of a leak because I had only been showering for maybe 5 minuets when I realized the curtain wasn't fully closed.
My lease says this:
"XIII: DESTRUCTION OF THE PREMISES
If the apartment shall be partially damaged by fire or other cause without the fault or neglect of residenr, Residents Servants, employees, visitors or agents, the damages shall be repaired by and at the expense of Owner, and the rent until such be made shall be apportioned according to the part of the apartment which is usable by Residenr. No penalties shall accrue for reasonable delay that may arise beyond Owners control. The term of this Residency Agreement shall expire by lapse of time upon the third day after such notice is given, and Resident shall vacate the apartment and surrender the same to Owner." (I don't know if this has anything to do with it)
"XV. WAIVER OF LIABILITY
Resident agrees to assume responsibility for the following:
(Skipping A and B as it has nothing to do with this)
C. Steam, gas, electricity, falling plaster, leakage of water from pipes, rain, snow, malfunction of appliances, leakage or dampness of any nature whatsoever to the extent said concerns are beyond the control of the owner."
I have renters insurance through the complex (I cant find the paperwork for it) so I'm not sure if that covers this, but I'm worried I will have to pay for something out of pocket which I really can't afford because I'm already paying out the butt for this place ($960 a month and we have to pay for mandatory covered parking; and the trash,water and sewage bill ourselves)
I'm wondering will I have to pay for anything? Would I be considered negligent? And should I be worried about this?

