Condo Renters in SC with smoke damage and no renter's insurance

My wife and I recently rented a townhome. There is an HOA ,but as renters we are not subject to pay, nor do we have voting rights.

We suffered minor water damage from the recent flooding. But when the rain was near ending, the unit attached to ours caught on fire. The smoke from the fire traveled into our unit and filled our townhouse.

My question is, what are my options as to who is liable for the damage to my unit? We recently moved in, and obtained renters insurance which went into effect at midnight the day after the fire occurred.