California E&S Insurance

Unless the water flowed up or out and In to your unit and damaged your walls or floors, your policy doesn't owe for ingress/egress. The water all flowed down, so the only damage is your neighbors unit. Your neighbor files their own claim and their policy covers them. You are responsible for the maintenance repairs to your unit as that's all it is, maintenance. You even quoted it. You have to have water that damages coverage A, your property, then coverage kicks in and covers ingress and egress. Chicken and the egg. The covered damage has to happen before ingress. The ingress damage isn't a covered loss

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