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If a tenant doesn't repair damage that they caused, the landlord can apply for dispute resolution asking that the tenant pay money for the damage. The landlord should submit evidence along with their application to support their claim for compensation. Landlord's Application for Dispute Resolution (PDF)
The exception being negligence or lack of maintenance by the homeowner. Insurance companies may not cover the water damage restoration cost if the damage sits and mold begins to grow. (If water damage is allowed to sit for 24 hours or more then mold begins to develop). Some insurers require you to contact a water damage restoration company and submit a claim within 48 hours or they will not cover any losses.