Hi guys,I live in South Carolina, and own a small condo. Unfortunately my condo insurance lapsed when I got a new credit card, and I did not pay close enough attention to it, so at the time of damage to my condo, I had NO insurance.I had a company that specializes in these types of disasters come out to clean up the water, dry it out, etc. Upon receiving the estimate for all of the fixes required - the damages
came out to above $10,000 USD.Now, my HOA
said its not their responsibility since it was a toilet that flooded me out (3rd time a leak from the same spot), and it was a dispute because homeowners
.Is there anything I can do to have these costs covered by the upstairs tenants/owner? The above unit had less than $1000 in damages, while im stuck with a $10k+ bill for their negligence. The toilet which caused the flooded was known to be defective by them, and it was still used before the tenants left the house.I have to pay the estimate, as I need my home fixed (its been 2 weeks already). Is there really anything I can do? Would an attorney take my case, and help me get my money back?If so, can anyone point me in the direction of the type of attorney I need? Any advice at all is appreciated, as there is no way I can afford this type of work and it not cause a significant impact on my life for the worse.Thanks!!