My hot waterheater burst & water caused damage to the condo below. Should my liability insurance cover it?

I have additional insurance beyond what the condo association covers. I have liability insurance and have filed a claim but they are saying it will most likely be denied because I was not negligent becuase as far as I knew the water heater was in good shape. My insurance company says that the owner below [...]

A plumber burst a pipe in the condo above me causing water damage to my unit, what can I do if I’m uninsured?

A plumber that was working in the condo unit above me accidentally burst a pipe, causing water damage to several rooms in my unit. If I don’t have any additional insurance beyond the association insurance, what are my options?