TheClarinetist, let me give you the long answer now that we PM'd.
First you mentioned insurance. If your landlord claims this on the insurance then you should only owe what the insurance doesn't cover. You might owe her a deductible. Your landlord can not claim this on the insurance and charge you, that is double dipping.
However, (this is where it gets tricky) you should not assume that you can "poke holes in the lease" unless you were somehow involved in drafting it, which I assume you were not. Whatever you agreed to in that lease your landlord can hold you liable. For example: If there is a $500 kitchen fire fine, then you would owe that for sure. You need to re-read the lease throughly and see if there are any agreements about damages and accidents. Generally, even if unspecified in a lease, it is understood that the property is to be returned as it was given with reasonable ware and tear. Imagine renting your car to a friend for a month, it would be assumed that it would be returned as a usuable car. If it was missing four tires and rims, you would hold the renter responsible. Lease agreements spell this out sometimes to resolve the agreements before court even though a judge would support them with or with out it in writing.
Also, generally it is the landlord's job to repair damages due to accidents, storms, riots, whatever.... If you had a keg party and knocked a hole in the wall, the landlord has a right and responsbility to fix it. You are not in a position to say, "nahh just leave it till I move out.". So it is in the landlord's interest to fix her property and maintain it, to her liking.
Where your responsibility comes in is to pay the rent and any utilities agreed upon in the lease + damages in this case. I would not worry about the security deposit right now unless you have more than six months left on the lease. In that case it would be reasonable for the landlord to want to be paid promptly and recieve another deposit incase there were any more "accidents". This is what security deposits are for and you should consider yourself owing what ever it costs to repair - (minus) the security deposit. As far as the speed with which you must repay, again this is generally unspecified (unless your lease says otherwise).
If I were you I continue to pay rent until the repairs are complete and your lease is up. Then let the landlord know you will pay what you owe when you get a statement. You do not have to legally pay for the repairs until the landlord provides you a statement. This is one thing required in Texas tennant-landlord law is clear about. Also, once you move out the landlord has 30 days to mail a statement to your last known address stating how your security deposit was applied or they owe you 3 times your deposit.
So I would Pay my rent everymonth plus what I could pay on the damages after I am billed. If I felt the statement was unreasonable or the landlord was trying to charge me when she was been paid by the insurance company, then I would keep paying my rent and let her take me to court. When I went to eviction court, I would present records showing I have been continuing to pay rent, but I have not A) received a statement for the repairs, B) Believe the landlord was paid for this by insurance and is double dipping, C) Do not believe I am responsible for the repairs because of another reason. The judge will do one of several things, he will A) evict you (usually only for non-payment of rent many are reluctant to do it because you have not paid for an accident) B) order the landlord to provide you the documentation you need to pay C) adjust the charges and make them reasonable and customary (for example the judge tells the landlord she is charging to much and orders you to pay 1k instead of 2,500.) The judge can not really tell you how to pay, just that you owe it. If the judge decides that you owe X amount then you will be given a chance to pay, most likely. If you have not paid in a reasonable time, then the landlord will have to file for another court date and explain why the judge should evict you. In most cases if this was truly an "accident" and you are paying in good faith, you will not be evicted. However, if this fire was the result of a pattern or irresponsibility or illegal and dangerous activity (i.e. running a meth lab) then the judge could make an exception. I would get a copy of the Fire Department's report if that supports your claim that this was an accident, not the result of arson or illegal activity. Hopefully it will not go that far.
From what I hearing, I think it is very likely that your landlord is a little freaked out about the fire. She might be worried that you and your guests are reckless and she might lose the entire property in a fire (irrational as it may be). She might be trying to scare you into vacating, in that case you will pretty much be responsible for what ever she bills you for. I saw this many times when I tennant would feel pressure and leave the landlord would then bill for replacing everything from light switch covers to carpet and paint even if it was not really needed just to update the place on someone's nickle. Be calm, professional, and keep acting in good faith while keeping good records. The landlord might not be happy that it is taking you 3 or 4 months to pay her for the repairs, but most won't waste their time having a judge tell them to "get over it" in court either.
In short, continue to pay your rent and what ever the landlord provides you in writing that she spent repairing the place minus your deposit. You should be ok. Keep in mind, regardless if you go to court or not the judge can not make the landlord sign another lease with you. So I would expect to be looking for a new place when the current lease expires.
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Disclaimer: I am not an attorney or financial advisor, any information I give is just that, information. You must make your own decision and I am not responsible for any consequences based on information provided.