Hi “Mike”
I notice your email contact address is the office of a strata management firm, which makes me wonder why you are coming to a public forum for advice.
Even so, here it is – this is an insurance issue, not a strata issue and if you have problems with it you should take it up with the the insurance ombudsman.
We have no idea of the detail of your strata management contract (if, indeed, it exists) or the insurance coverage (ditto) so it would be wrong for us to comment.
Maybe you should ask one of your fellow strata managers for advice.