First, let the insurance company compensate.
People's Republic of China (PRC) insurance law
Article 60 If an insured accident is caused by damage to the subject matter insured by a third party, the insurer shall subrogate the insured's right to claim compensation from the third party from the date of compensation to the insured.
If the insured has obtained compensation from a third party after the occurrence of the insured accident specified in the preceding paragraph, the insurer may deduct the amount of compensation that the insured has obtained from the third party when compensating the insurance money.
The insurer's right to claim compensation by subrogation in accordance with the first paragraph of this article shall not affect the insured's right to claim compensation from a third party for the part that has not been compensated.
Article 61 If the insured waives the right to claim compensation from a third party after the occurrence of an insured accident and before the insurer pays the insurance premium, the insurer shall not be liable for compensation.
After the insurer compensates the insured for the insurance money, if the insured waives the right to claim compensation from a third party without the consent of the insurer, the act is invalid.
If the insured intentionally or due to gross negligence prevents the insurer from exercising the right to claim compensation by subrogation, the insurer may deduct or demand the return of the corresponding insurance money.
The second is to let insurance companies and property companies compensate together.
Contract law of the people's Republic of China
Article 374 Where the deposit is damaged or lost due to improper safekeeping by the depository, the depository shall be liable for damages.