malicious mischief by tenant, water damages multiple condo units

[Leighton Adams]

A tenant caused water damage to my mid-level condo. The water went down to the lower units and caused water damage there. My insurance is covering her damages to my unit under a malicious mischief claim. The damage was such that the fire department said that unit was unsafe to occupy. They posted a "do not occupy notice". I'm pursuing eviction. My tenant does have renter's insurance, including liability. The HOA agent said he will not file any claim on the master policy, and will bill me for all damages. The reasons given were as follows: 1) The problem originated from within my unit. 2) I'm responsible for tenant actions. My question is how to deal with the tenant water damage to the common areas and to the other owner's units? The HOA manager is making it sound like I have unlimited liability here. My guess is that the HOA will bill me for all tenant damages, and file a lien. I expect a barrage of invoices from the HOA. Can I use my own liability coverage for tenant-caused property damage bills? Can/should I file a master policy claim against the wishes of the HOA agent for common property damages? I've exchanged insurance information with the other owners.