Quote Quoting jk
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as to your insurance;

this would be a claim under liability so again, why isn't it covering the damage?
Simple.

He wasn't negligent.

For his liability coverage to pay he'd have to have been negligent and I don't see that.

On the other hand he could be contractually responsible if his CC&Rs say so.

AKA9501, read your CC&Rs. READ them. Don't rely on what anybody else is telling you is in there. Read them for yourself.

Neither your agent or your insurance company did anything wrong to you.