I live on the 3rd floor of a condo in Virginia. The drain in my bathtub developed a leak that has caused some water damage to the ceiling of the unit below mine. I have been doing some research to try and determine how the parties involved should proceed with repairing the damage. Assuming there is no negligence on my part
It's almost a certainty that there was no negligence on your part.
it is my understanding that my insurance should cover the damage to my unit, the owner of the unit below mine should use their insurance to cover the damage to their unit, and the condo association should use their insurance to cover the damage made to the common area between the floor and the ceiling of the two units. Is this correct?
Yes, that's exactly correct.
However, my experience as a claim rep is that your floor joists which are the downstairs neighbor's ceiling joists generally don't sustain any water damage of any note. It's generally related to the ceiling drywall and paint which the downstairs neighbor's policy should cover.
Your policy will cover the cost of accessing the drain for repairs and restoring your floor or whatever, but won't pay for the repair to the drain itself. If you can't find that in your policy or your own claims rep can't explain it I'll cover it later.
Could something in the Condo Association's Rules and Regs override this?
It could, but I've never seen a set of CC&Rs that does. Read yours.
The representitive of the property management company that maintains the condos seems to think the responsibility is mine to cover the costs of the repairs to the unit below mine (though he didn't cite anything specific to back that up),
He is clueless. He probably hasn't even read the CC&Rs. Which is why you should read them thoroughly and carefully and use the yellow markin pens for the appropriate sections like the kids due to textbooks. Your knowledge is your power.
the claims representitive for the owner below me is also suggesting that my insurance should cover their repairs
Sure, and if he can get you snowed, his company saves some money. But, no, you aren't negligent, you have no liability for the downstairs damage. Period. That's all you have to be telling him or just clam up and not talk to anybody except your own claim rep.
but when talking to my claims representitive, she is in agreement with me, and that unless there is negligence involved, my insurance does not cover my neighbor's unit.
That's an oversimplification. Your policy doesn't cover your neighbor's unit for anything, ever. Your policy covers YOU for claims brought against you by others for damage to their property that they allege you caused due to negligence. Your policy pays if you are negligent, defends you if you aren't, but also reserves the right to pay even if you aren't negligent if your insurance feels that paying would avoid large litigation costs. If you can't find that in your policy, let me know and I'll tell you where to look.
Where can I get something in writing that I can provide to all parties involved to explain how this is supposed to work?
You probably can't (other that what I am writing here based on 35 years in the insurance business and many years as a claim rep handling 100s of similar condo claims.
I've been searching online and have found other examples of people in my situation, but no one ever cites anything concrete as to why
Negligence law is common law (based on case decisions and rarely based on statutes) so unless you are willing to go to a law libriary and study negligence law, and read case decisions, you aren't going to be able to show anybody anything (unless you want to show them what I've written. LOL).
And you shouldn't have to.
All you need to do is say no to the management company, say no to the neighbor and the neighbor's insurance rep, and then stop talking.
Let your claim rep take care of your unit, and ignore what's going on downstairs.
Come back to this thread if you have any more questions. I'm kinda the go to guy for insurance questions here.