What is my recourse regarding damage from a leak caused by my upstairs neighbor's toilet?
Question Details: My upstairs neighbor's toilet was leaking around wax ring area. The leak caused my bathroom ceiling to sink. There was no sign of water damage. We called emergency hotline to get HOA plumber to check. It turns out the accumulated water put weight on the ceiling and almost collapsed eventually. Facing a hefty bill from the HOA, my neighbor was pleading our negligence saying we didn't report the issue in time. The unit is under my name but daily occupied by my parents no rental relationship, I came over to visit a few days each month. My parent called me for help as soon as they noticed the ceiling issue. Somehow my neighbor consider it is my parents fault and threatening to sue them or me in small claim court. It is ridiculous. The HOA gave me the choices to either go with the HOA's master insurance policy and let them to subrogate I would be forced to accept whatever comes out of it or file the claim with my insurance company, in which case I will be $1000 less for sure from the deductible. I am looking forward to seek solutions to enforce them to pay for the full damage including the deductible and other inconvenience caused by the incident as the bathroom is useable and has been sealed for repair for over 10 days, not to mention noise from the restoration.