It will be the tenant's responsibility if the tenant does not take reasonable efforts to remedy the issue upon the washing machine floods or pipe burst and allow the issue to persist resulting in further damages. If immediate actions are taken to stop the problem, then tenant should not be held responsible. For washing machine, it can still be an issue for tenant too since tenant is using the washing machine, thus minor repair clause maybe applicable.
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Tenant rent the place together with the appliances and furnishings provided like taps, basins and etc. So if tenant is using these items, tenant should be responsible based on the minor repair clause. This is so as to encourage tenant to take good care of the property and the furnishings and white goods that comes with the rental.
If you disagree the above, you can opt not to rent from someone. You can buy the property yourself.
As I understand it, the tenant has a fixed amount in their contract which details how much they are required to pay/contribute (say 200 sgd) per damage, but provided the tenant informs the landlord that the damage has occurred the actual responsibility to deal and remedy the issue should rest with the landlord.
Similarly, if a pipe bursts in the wall of the apartment, and this causes damage to the wall and the floors which needs to be remedied, provided that the tenant has informed the landlord of the incident, it should be the landlord"s responsibility to fix the damage. The tenant's obligation is to pay the rent to be able to use the apartment. Why should the tenant be responsible to repair damage that he/she has not caused. The tenant is paying rent for a fully functioning apartment.