Coop Insurance - Who pays?
Your Insurance company is probably thinking you are a Condo, many out of State companies do not understand the concept.
But I would go through you co-op board, management company to deal with your neighbor if you cannot work it out in a neighborly fashion with the upstairs owner.

resident2
in General Discussion 8 years and 10 months ago
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alexbklyn | 8 years and 10 months ago
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Hi all,
I live in a coop and upstairs tenants’ kitchen sink disconnected from the drain pipe so it drained all over their floor and into my ceiling. I’ve tried to deal with the big corporate landlord who owns said apartment directly for repairs, but after being given the run-around, I decided to just go through my insurance agency and let them try to get money out of upstairs landlord’s insurance.
But when I called my insurance, I was surprised to hear them tell me that they would have to investigate and if I could not prove that it was due to ongoing negligence by upstairs landlord, that MY insurance would have to pay for repairs, and I would have to pay my rather steep deductible and any future premium increases. This doesn’t sound right to me, and I’m hoping it was an uninformed rep (who happened to be based in MA, where perhaps the laws are different), but why should it matter if it was negligence or a one-off accident – if my upstairs neighbor ruined my ceiling, regardless of the circumstances, why would my policy have to pay out?
Any insight into this is appr eciated – if my insurance does have to pay, with my deductible, it still might make more sense for me to fight with upstairs landlord directly rather than kick it over to insurance co.
Thanks,
Alex