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Yes your upstair neighbor is 100% to blame
But just because someone is 100% to blame doesn't mean they will pay you.
Say someone accidentally threw a baseboard and crack your window. He is supposed to pay for your damage, but doesn't mean he will pay.
Your only recourse is to sue him in court for the damage if he doesn't pay.
To the Strata, this is an issue between you two, so they'd think it is non of their business.
Your insurance company can actually sue the upstairs unit owner to recoup the damage cost, but they won't because unless you are talking about 6 figures damage is it not worth their hassle. (And you'd still have to pay the deductible even if they won)
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