Thanks adjusterjack.. to your point of $1k, i understand.. Really don't everyone to feel like i am blaming others; however i was sold insurance from agent expecting i was protected in cases like these.. He claims based on my conversation I should be covered and he does this for a living, he has many of my policies.. this is not my profession and i wonder hoe many other folks have similar issues.. and what happens is when you get into these position you start educating your self due to the situation..
Don't know how to quote like you, adjuster jack you mentioned following
"That would cover damage to the property of other people if your negligence caused the damage. In your policy, your insurance agrees to pay if you are responsible due to negligence and agrees to defend you if you were not negligent.

In this case, your insurance company has denied the claim for damage to the downstairs unit because it believes (as I do) that you were not negligent. Should you be sued for the damage to the other unit your insurance company will hire a lawyer to act on your behalf."

based on above the association is holding me responsible due to negligent therefore wont cover repair of my unit and also requires $10k deductible. They mentioned if it was no =t negligent they would have covered repair of my unit. if my insurance company has throw their hands up in the air and claims they wont cover me.. how do i have them fight the association claim?
I hear this from everyone that it is difficult for insurance companies to pay when it comes in time of crises..
We are getting bylaws and will be reading through them to understand where we are responsible.
also my association/their insurance company is requesting electric bill, why would they request for the electric bill?