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HOA won't 100% reimburse owner for water damage


My kitchen was flooded due to surface water from a hard rain. The board was notified on two different occasions that this was a possibility due to no way for surface to drain. It happened on April 3, 2015 and I was told by the property management to get an estimate about putting down a new kitchen floor - since a portion of my floor had to be taken up due to wetness under existing floor. My first estimate was from Lowes for $2,900 (all quarter round, as well would have to be replaced. Now they only want to allow me $1,338.50. So I went back to Lowe's and knocked off $1,000.00 (cheaper linoleum, and matching quarter round). This brought the bill to $1900.00. They don't want to pay the difference. Would this be better to go to court or I have made an offer to split the difference. They don't seem to want to work with me. If I filed in court for the original amount what would be my chances going against Homeowner's Association? All of this was caused by improper drainage for surface water - they were notified of this a year and a half ago and again the beginning of this year. This is in Kentucky.

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