My condo insurer and association each say the other policy should handle water damage. What should I gather?

Ask the association for the master-policy details and relevant declaration or bylaws, then give them to your unit insurer along with photos and the proposed repair scope. Ask both insurers to identify which damaged items, deductibles and assessments they are addressing. A master policy can cover parts of a unit as well as common areas; a unit policy may cover belongings, improvements and other losses. The dividing line is not simply 'inside versus outside.' Illinois and Maryland guidance illustrate different state requirements, so use the rules for your property.