Open Question: can my landlords insurance company ask me for money from a house fire?

my bf & i had a house fire last yr & the landlord had insurance on the duplex but we didnt have renter insur. Now the landlords insurance company is putting us at fult, which it kind of was, & demanding for more money than the duplex is worth & threating to repo anything we own. & now we saw that they tore it all down & put the lot up for sale. can they really ask for that money & repo anything we own?