Q.  I recently had a water loss claim due to my upstairs neighbor--her w/d overflowed causing damage to my unit.  I went through my insurance, assuming they would subrogate.  I just received notice that they will not subrogate as the upstairs neighbors were not negligent. 

I am still out $500 for my deductible.  Should I ask my neighbor to write me a check for $500?  We're on good terms.

A.  Unfortunately, the law in Illinois is not favorable as it pertains to subrogation between condo owners

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