I would like help with apartment situation?

Ok I live in college apts. and my fan quit working so a maintenance guy came and put a new one in, right after that my room didnt feel the same anymore, things quit working...i came home one day turned my lightswitch on and it flipped the breaker so i knew something wasnt right...my lcd and cable box were messing up badly too...turns out when i got another guy over here we found out that when he installed the new fan he crossed a wire which made the plug switch bad that i had the cable box in..therefore the hdmi cable i had running from my box to lcd melted that hdmi port on my lcd..there was a huge charge coming from the cable box because it was in that outlet that was bad, the rubber on the coax cable split open. The tv hasnt really worked the same anymore and im out an hdmi port and hdmi cord. The apt. is claiming there is nothing they can do because i dont have renters insurance. My question is, I thought renters insurance protected against things like natural disasters and things that couldnt have been prevented. This could have been prevented if the maintenance guy would have been able to do his job correctly. What should i do and am i just screwed out of a 1000$ lcd? Thanks guys.