Oct 29, 2012. NY storm "Sandy" left 3 inches of salt water in apt. Had to rip out all wall to wall rugs b/c saturated (smell, mold, etc). Did work myself with landlord permission. Moved out 10-29, left some furniture until repairs made. Drywall soaked up water approximately 3 or 4 ft above floor, so needs replacement. Still no electric or heat in apt.(or entire neighborhood). Landlord demands rent for Nov even though I'm unable to live there. No flood insurance. Am I liable for rent payment?