How can I negotiate a insurance claim when I live in a townhome community and I’m not the primary holder of the insurance policy?

Hello, I reside in a townhome community where the property management company holds the primary insurance policy for all homes. Recently, I experienced water damage in my home and filed a claim with the insurance company. However, I was informed that, as I am not the primary policyholder, they are unable to provide me with the estimate prepared by the adjuster. Could you please advise on how I can negotiate the bid under these circumstances? Thank you for your assistance.