In a situation like this, liability may depend on the specific circumstances and local laws in your area. However, there are some general principles that may apply:
Negligence: If the hose coming off was due to negligence on your part, such as improper installation or maintenance of the portable washer, you may be held responsible for the damages caused by the flooding.
Landlord-Tenant Relationship: If you are renting the apartment where the incident occurred, your landlord may bear some responsibility for maintaining the property and ensuring that appliances are in good working condition. You should inform your landlord about the situation as soon as possible.
Lack of Insurance: While neither you nor your downstairs neighbor have insurance, it does not absolve you of potential liability. Lack of insurance coverage could make it more challenging to handle the financial repercussions, but it doesn't necessarily negate any legal responsibility you may have for the damages.
Mitigation: It's essential to take immediate action to mitigate the damages. This may include stopping the water flow, removing excess water, and addressing any immediate safety concerns.
Communication: Openly communicate with your downstairs neighbor about the situation and express your willingness to address the damages. Cooperate with them to find a resolution.
Legal Advice: Consider seeking legal advice to understand your rights and responsibilities better in this situation. A lawyer familiar with local laws and regulations can provide guidance tailored to your specific circumstances.
Remember, legal matters can be complex, and it's crucial to consult with a legal professional to understand how the law applies to your case.