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The additional living expenses insurance is part of your policy and has a limit. Nevertheless you can speak with your insurer to see if they can make an additional funds available. If not, then you should look to the neighbor's insurance company for the damages caused by your neighbor's negligence (assuming it was a toilet in an upstairs neighbor's unit).
If it was a common toilet, then the liability would rest with the COOP. In either event, you can make a claim for the additional damages that you have incurred. You may have to bring litigation if the neighbor's (or coop's) insurance company refuses to assist you.
In regard to the negligence issue the legal concept of "res ipsa loquitor" should apply. See here:
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