I was probably wrong to call it a “trick” but I have checked this with strata lawyers in the past and the consensus I have received over the years is that if the damage is caused by common property then any damage done repairing it is down to the Owners Corporation, whether the individual owner has insurance or not. I admit thare are plenty of strata managers around who disagree but the Owners Corporation has a legal duty to maintain and repair common property and if someone (anyone) damages your property for whatever reason, they are liable for the repair.