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Apparently your issue stems from a statement of responsibility. Whether the association can charge you may depend on how a mediator or a set of attorneys interpret your governing documents.

There may be a dual responsibility: your's and the association's. And there may be no dictator of which responsibility comes first.

You can decide whether to hire an attorney to contest the charge, based on your belief that you are innocent, because of your ignorance of the shut downtimes and policies and procedures, or you can pay the deductible, whichever is most financially attractive to you.

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Q: Can my association charge me the deductible for a water damage claim that originated from my unit even if they were neglegent in not posting proper shutdown times and policies and procedures?
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