Quote Quoting megge
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Also, I have no insurance and owe 120k on this Condo which is probably worth 80k now.
If you have a mortgage, you can expect that your lender is going to eventually figure out that you've let your insurance lapse, and that they will then sell you insurance through a captive agency for a lot more than you would pay for your own policy.
Quote Quoting megge
As the years have gone by I've noticed that when I use the diverter more and more water escapes from the front of the spout instead of going to the shower head, but I didn't realize some of it may be going out the back too.
The other resident or condo association may attempt to argue that you were negligent in not repairing the problem. You would presumably argue that despite your awareness of a problem, you had no reason to believe that there was a leak inside the wall, but the contractual language of "failure to properly maintain, repair" could be a problem.
Quote Quoting megge
Am I responsible for the damage to the downstairs unit?
Potentially.
Quote Quoting megge
Am I responsible for my adjacent neighbor who had his wall opened up in search of my leak?
That would be a more difficult case for him to make, but he can try.
Quote Quoting megge
Will I be expected to pay the plumber coming tomorrow?
Ask your condo association. I expect so.
Quote Quoting megge
As an aside last year the neighbor directly below me had some kind of water damage they thought came from my unit. After checking my bathroom and not finding any leaks they determined it was the adjacent neighbor on the first floor who was the source of the damage.
If the plumber in fact checked the faucet and diverter and found no leak from it, despite the water coming out of the spout when the shower was activated, that could potentially help you argue that you had no reason to believe that the spout would be the source of a leak or needed to be replaced. A faulty diverter, of itself, shouldn't result in any leaking except into the tub.