American Family Insurance just looks for loop holes so not to pay out on claims. I have a condo on the 1st fl and the unit above me on the 2nd fl had a water pipe brake which cause damage to my unit. The 2nd fl unit has American Family Insurance and they refuse to pay for damages to my 1st fl unit caused by their insured busted water pipe. They are saying that the bylaws for the condo state that there has to be negligence? I think they are negligent but the insurance company is saying I would have to prove that they did it willfully? This is a bunch of BS!