A kitchen fire in his annoying next$-$door neighbor's condo caused the sprinkler system to activate in adjacent units. Zeke's couch, television, bookcase, and computer were ruined by the sprinkler water. The damage was $$3,800.$ He has HO$-6$ coverage, but he insists that this is the neighbor's fault, not his.

What type of insurance is needed?

What is the financial impact of this event?

What should his next steps be$?$