Damage to Unit because of common property defect – Insurance Excess

My unit was flooded because the water supply to the unit above leaked. The water supply is common property. Strata's insurance paid for the damage to the fixtures, mainly the wooden floor I had put in 18 months ago. Strata covered their excess on that, so I was not out of pocket.

Unfortunately, the carpets in the bedrooms had to be replace due to the water damage and, not being a fixture, were not covered by Strata's insurance. My insurance company paid for that but I had to pay an excess of $500.

I have requested the Strata Manager to contact the committee and see if they will refund my excess.

She says they will not.

The damage was due to no fault of my own, I am out of pocket for lost wages due to having to meet assessors and workmen on site, I have had to spend a lot of energy trying to get everything settled and now I have to pay $500 on top of all that.

Is it normal for STrata to refuse to cover an excess in this situation?