AITA for not claiming my friends mistake on my insurance
Hi! I (26F) and my friend from college (26F) both moved into the same apartment building. She lives on the floor above mine. One weekend she put me along with a bunch of our mutual friends in a group chat because she wanted to have a barbecue on our roof. She has hosted many before, but this would be the first one I ever attended. Because I don’t eat red meat I did not eat anything that was cooked on the grill and only brought chips a bottle and paper plates. When the day was over, the group of us went downstairs to watch a reality show. My friend who lives in my building and the girl who owned the grill discussed that they would leave the grill to cool off. Once the reality show it was over, I went back to my apartment and went to sleep.
The next day everyone in my building receives an email saying that there was a fire on the roof last night because someone dumped coals in the trashcan on the roof and they re-lit due to the wind. I took a screenshot of the email and sent it to my friend who then put it in the group chat of everyone. her and our other friend, who owned the grill, told us that they decided to take the grill home the same day because they didn’t wanna have to come back and get it the next day. So the girl in my building gave the grill owner her keys to go get the grill on the roof and the grill owner decided that it would be the best thing to just toss the coals into the trashcan on the roof. Our building requires multiple key taps to get on and off the roof and they also have cameras so they immediately told my friend in my building she was responsible since it was her guest using her keys.
A week later, my friend came to me and asked me to put it on my insurance since she nor the grill owner, had renters insurance. I spoke with a few lawyers and my old insurance agent, and they all said that this would be fraud. So I told my friend I did not feel comfortable doing so. Another week goes by and she asked me again because she believed that she would have to go bankrupt over the situation (she did not). I again said no because I did not feel comfortable and reiterated that I was told that this would be fraud.
From then, she started to run a smear campaign, saying that I was the bad friend and all of our friend group stop talking to me because they said that I should’ve at least tried to put it on my insurance. They now all want me to apologize to all of them and work for their friendship again since they believe that I was in the wrong but I feel like I didn’t do any wrong. So WITA?
