I have a coin operated washer and dryer in an apartment complex laundryroom in Sacramento CA. I have a verbal agreement with the owner to have these machines here and he gets 50% of the income. Someone vandalized the washer taking the money and the resident mgr saw the machine vandalized. The washer was layed on it's side causing water to leak all over and causing H20 damage to the apt. units on each side.I have insurance as does the owner. My insurance has denied liability claiming not responsible due to criminal act of another(vandalism). He is now sueing me in small claims court. Does he have a valid claim?