The apartment complex has the burden of proving that you caused the warpage of the wood floor that you are writing about. If you are adamant that you did not cause the warpage, then you should stand your ground and refuse to submit the claim to your insurance carrier.If the property complex brings an action against you for the repair of the warped kitchen floor, you should immediately place your renter's insurance on notice about the situation in writing and ask for a defense in the lawsuit. In the meantime, you might want to write your renter's insurance company and put them on notice about the situation you are writing about.