There's no question that the people responsible for the damage – the Owners Corporation in this case – is responsible for paying the bills. But as Random points out, the best solution isn't always the right one – if your insurance covers it and it's not going to cost you anything now or in the future, then claim – it's theasiest way.
However, if there is an excess on your insurance, you should certainly be asking the OC to cover that.
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