OK, I know we should have established this before, lesson learned and all that. but here's the question: today the people who were restoring our wooden floors burst a water pipe. The damage looks horrible but I think it's actually only cosmetic - but that still means the cost of redecorating the ceiling and some wood-work, plus the cost of a plumber to mend the damage to the pipe. Who should pay? Obviously we're in a better bargaining position as we owe them money for the work. Where do we go from here?