@Steve Babiak have you run into this before?  

Would you rather take the insurance money and "run" (and sell the land)?

Running to start a legal battle may not be in his best interest.

I have not run the background check yet, I just did a quick search on the internet. 

He is a house flipper and software engineer.

If this isn't what you thought of when the idea of REI popped into your mind...well...RUN.  

This investor rush has driven a lot of our run up aftificially, masquerading as population growth. 

I am graduating next fall with an engineering degree and I plan on working as soon as I graduate.

When people run out, they have to buy their own.  95% of the time they buy the cheap stuff and leave it behind when they move out. 

The key here is to know what's in your HOA documents.Generally what happens in a situation like this is that you would make a claim on your insurance and then they would subrogate it to the responsible party (either the HOA or the other unit owner), so I'm surprised that your insurance company is giving you the run around.Make sure you've got a written statement from YOUR plumber indicating where the plumbing fault came from and, before you patch the drywall, get the HOAs plumber in to look as well (if they have one).