Insurance question

Our neighbor had a flood and the water ruined a portion of our floors. the wood is no longer sold in the US (dont ask, sponsor choice). Our neighbor's insurance already denied our claim (said it was not negligence) and now our homeowners insurance company seems like they are going to not pay the full amount owed because they think the floors are still the original installed and so the condo association insurance may be responsible for any damage. Does anyone have any experience with this? Our by laws make no mention of this, and i always thought that we owned everything in the unit, which was originally sold about 6 years ago and we are the second owner of the unit