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You are entitled to be put back into the position that you would have been had this incident not occurred as it was not your fault..
If the insurance company will pay out (less the excess) then put a claim in through the insurance company.
With regard to the policy excess, however much it is, you are entitled to seek that from the management company if it is as a result of their poor maintenance that you had the damage.
If they won’t pay, you are faced with suing them in the Small Claims Court.
Because none of this is your fault, it should not cost you anything.
The reason that the management company are saying that you must pay the excess is because they want to avoid paying it themselves.
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