Can an Insurance Company charge damages for water damage when the condo board paid a deductible on their claim?

I am the tenant of a condo and had accidental water damage to the unit, and floors below. My landlord claims they do not have insurance to cover the damage, but the condo board does and has paid out a $5000 deductible for the insurance for all the units to the insurance company, which I have reimbursed. Now I have been contacted by the insurance company about being charged for the remainder of the damages.

My question is, am I not sheltered by the condo boards insurance deductible?

Your situation illustrates a prime example of why tenants should purchase renter’s insurance. The condo board insurer covered the loss to the condo, but that doesn’t mean the insurer is not going to attempt to recover its payout from the person responsible for the damage. That person is YOU. No, you are not sheltered or covered. You’ve already paid the deductible portion to the condo. Now the insurer involved wants to recover ITS payout. If the condo insurer had a zero deductible, it would be coming after you for the entire amount of the damages. This insurer is following standard practice for such situations. Learn the value of renter’s insurance.