How to deal with toilet leak with the downstairs neighbor

So I did go down to meet them. They are a young couple in their 30s. I told them that they should contact their insurance and we should let them work it out.
They showed me how they had a lot of bugs in their apartment. I looked around and their apartment had boxes all around like they moved in yesterday. They asked me if I had bugs. I said no. We are on the same line, if the moisture in the wall was the cause then some of those bugs would have been in my apartment too.
They showed me the bathroom vanity that was damaged by the moisture. The vanity was a 3 paneled mirror with wood veneer. It was 20 yrs old. It could have been from moisture from the shower.
They said there was a hole in the drainage pipe, which couldn’t have been caused by the wax ring.
I think they wanted to get a new bathroom out of this, but after I told them that they would need to go through their insurance first they started to have 2nd thoughts.
I don’t think this is going to just go away any time soon.

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