I own and live in my condo which is on the top floor. At sometime, the roof leaked damaging my ceiling. My insurance, Liberty Mutual, said the HOA will not pay for the damage as their deductible is $10,000, and the repair is costing $500. My deductible is $1000, so that means it must come out of my pocket. Doesn't seem fair that the damage was caused by the responsibility of the HOA. Has anyone had experience with this? Is there anyway to fight for them to repair?