As an owner you have a n “interest” in the common property, which allows you to make a claim without the approval of the OC.
The details for the insurance policy will be in the notice of the AGM, or you just ask the strata manager or secretary for the details. They cant hold it back.
They probably dont want to lodge a claim because the OC will have to pay the excess.
Its usual for strata insurance policies to have a loss of rent clause.