Hi. I need help, and my insurance company just lets the phone ring...so does my condo management company...so any help will be appreciated! My downstairs neighbor's ceiling under my toilet fell down a bit--the cement is exposed now. He says he doesn't have homeowner's insurance (even though he owns his condo). I called a plumber who said it wasn't my seal, but rather pipe lower down at the "elbow" (whatever that means) and that it was cracked. He repaired it...for 630.00. Now, my neighbor wants me to pay to fix his ceiling too, plus my condo association says that since the pipe was coming from my toilet, they are not responsible either. My homeowner's insurance people, when I called them before I knew what was wrong, said if it has to do with the toilet it's a "maintenance" issue which is not covered. Is this true? Any part of this sound off to any of you experts? :) Thanks!