Home owners insurance question

One of my co workers had a water line to his house break from the cold weather and asked if I knew anything about plumbing.

I told him yea I know enough that I’ve never called a plumber.

The long and short is he’s pissed off and says I’m responsible.

We had a few beers and I admit maybe I ran the mini excavator a little reckless. I busted up the curb pretty good and somehow nicked a gas line.

I told him this is a good opportunity to call the insurance company and file a claim.. I mean situations like this is why we pay high premiums, I wanna see the insurance company step up and flex. Where’s Jake??

I say this entire situation is between the home owners insurance and the home owner whom willingly and knowingly hired a semi professional unlicensed plumber.

I might need a lawyer, any suggestions?