<human>: Could you distill the essence of the text into 1-3 sentences?

Hi, I'm a first-year student at a four year university in America. Yesterday, I accidentally set off the sprinkler system in my dorm room closet. I have occasionally had to hand wash and hang dry clothes. I don't have anywhere to hang dry, so I would hang it on the edge of the sprinkler located in my closet because it was a convenient place. I'm not familiar with how these sprinklers work, but while taking my clothes down yesterday, I bumped into a tiny red latch of some sort on it and the entire system exploded with high pressurized water. It sprayed for about 20 minutes before the fire department could shut it off. This flooded my first floor room and outside and into the hallway. Damages haven't been assessed yet, but they seem fairly minimal. It destroyed two ceiling tiles in my closet, kind of fried some electrical equipment above the tiles, and made the carpet wet in the hallway, but I acted fast with some other students and was able to save all electronic equipment from my room and that of my hallmates. My closet items got it the worst but I was able to salvage most of them. Stupid accident, I wasn't aware it could happen, but there were no warning labels or information provided to me about the system beforehand. It's worth noting that this exact same situation has occurred here before. I was honest with the police and university about hanging my shirts, as they questioned me minutes after the incident ended while I was still pretty frazzled.

I'm waiting to hear from the university and my family is waiting to hear from our homeowners insurance. We're unfamiliar with these processes and it would likely wreck our finances. The only reason I'm able to attend is because of my scholarship, and we wouldn't be able to pay thousands out of pocket. We have homeowners insurance, and apparently there is a clause that's covered damage like this before for other students, but even the deductible on that would be a huge hit.

Our property insurance policy basically states that the coverage protects against physical loss or damage to university property. The coverage has a $25k deductible, which means "the University self-insures for losses below 25k."

Any help or advice would be appreciated.
<bot>: Accidentally set off sprinkler system, caused damage, this has happened before at my university, have homeowners through State Farm, not sure what to do.