Geyser under warranty caused damage but I'm expected to pay

Geyser still under warranty burst and was replaced. Assessor cam out to assess the damages caused by the burst geyser and reported ceiling damage. I am now expected to pay from my own pocket for ceiling damage for something that was still under warranty. The insurer should bare the cost as the insurer appointed the company that supp**** and installed the geyser. I cannot be expected to pay access or any dame relating to geyser burst while still under warranty.