#14271
AdrianAce
Flatchatter

    The question of who should pay the excess and other out-of-pockets depends on whether anybody was at fault for the burst pipe, and if so, who. If the pipe burst without warning, it may have been no-one's fault and just one of life's accidents for which the law does not hold anyone responsible (which is why you mhave insurance). If the pipe was inside the unit upstairs it may be lot owner's responsibility (if the owner was somehow at fault for causing the burst pipe). The answer to your quandry really depends on why the pipe burst and who was responsible for the pipe.