My question involves business law in the state of: Nevada.

Let's start with "what a mess."

My late husband and I opened a feed store in Lyon County, Nevada in 2014. He passed away in May of 2016. My name was not on the lease. Anywhere. Completely nonexistent.

I continued to conduct business from the location for one year and one month after his passing. I was basically a glorified squatter: I paid rent (by check), liability insurance (my policy did not cover the building), and utilities for the duration of my stay. But in that over-a-year time, the landlord never re-wrote a lease with me on it.

In the meantime, the pipes for the water heater froze and burst in January of 2017. I had space heaters in both bathrooms with both hot/cold faucets cracked to allow running water and both doors were closed. What I didn't notice until afterward was a giant hole - presumably for ventilation - directly exposing the pipes to the outside elements in the wall not 2 feet from where they burst. I never turned on the heat to the building (couldn't afford it), and I know my space heaters can't be proven with a paper trail.

I recently received a letter from SubroIQ stating I owe them, partners with Colony Insurance Company, $9,135.50. When I called the representative listed on the letter, he said it was a claim for repairs acquired from the pipes freezing. (I'm sorry...how does replacing 1-1/2 feet of piping, patching a hole in drywall and paying a contractor cost over $9,000??) Also, the incident happened in January, but the date of loss listed was July 18th, 2017.

What I need to know is the following (it's a lot but honestly I don't think even my attorney knows and I have 4 days to contact these people):
1.) Being a community property state, did the landlord still have a legal responsibility to write a new lease in my name?
2.) Do I have the right to view copies of the bills acquired for the claim?
3.) Do insurance companies normally jump straight to subrogation? Or do they usually contact the accused first?
4.) If my name was never on the lease, can they still come after me, being that I never signed a binding contract assuming responsibility of the building?
5.) Do subrogation companies have the ability to suspend my license and registration?
6.) How do I proceed with SubroIQ? What do I say to them?
7.) What happens if they sue me?
8.) Do I have any chance of getting out of this situation without paying anything? Other than attorney fees of course...

I feel like there is too much gray area in my situation. My attorney literally told me last week to take it up with SubroIQ. It feels like she either doesn't know what to do or she simply doesn't care. ANY advice would be incredibly appreciated.