Bought a 1st floor unit in FL at the auction and there is massive mold and water damage from a water leak from a 3rd floor unit. The management company left me a message saying I should contact my insurance company. I just got certificate of title a few days ago and do not have insurance. Isn't this the HOAs responsibly or unit owner on 3rd floor not my insurance? Thanks

If the leak is from the 3rd floor unit then owner of the 3rd floor unit is responsible. You will need to contact the owner above and see if they have liability insurance to pay for your damage. If they don't have insurance then you can  take them to court.

Thank you