Hi, my name is XXXXX XXXXX I will be assisting you.
I am so sorry to hear about the faucet rupturing; water can cause a lot of damage to property.
Based on Section 45(f) which you quoted, you should not have to pay anything and should not be liable to the corporation because that section states under what conditions you would be liable to the corporation and that is, "for any act or omission .........." This means that you, as the unit owner would be liable to the corporation if you ( Or, any member of your family, or any agent, invitee, licensee , or basically anyone whom you had permitted to come onto the property) did any act, or failed to act (:omission") and such act or failure to act caused the damage.
You have done nothing to cause either the faucet to break, or the resulting damage, it was purely an accident and that is why we have homeowner's policies of insurance. Your insurance company is incorrect. If your insurance company were correct, they would never have to pay for any damage because if it were shown that you were negligent by doing anything that would have caused the faucet to break and cause the damage, your insurance company would deny your claim on the grounds that it was your negligence that caused the faucet to break and as a result, caused damage to the property. So, your insurance is trying to play both sides of the fence and it cannot do so. In this instance, they owe you a duty under your homeowner's policy of insurance to pay for the costs of repairs of damage done by the proken faucet,
Please be kind enough to rate Excellent Service" so that I receive credit for assisting you, it will not cost you anything additional to give me a positive rating, and that is the only way I can receive credit, Thank you for understanding,
If you receive a Customer Satisfaction Survey from JustAnswer, Please rate a 10 as it gives me a greater opportunity to assist other customers on this website and is greatly appreciated,
Thank you for allowing me the opportunity to assist you,