Doesn’t it depend on if the OC was responsible for the leak?
The OC might be responsible if the leak happened due to a lack of maintenance of or a building defect in the common property. Then any subsequent damage caused by the leak to a lot would be the OC’s responsibility to repair.
But if the OC was not responsible for the leak (eg it was caused by storm damage) then any subsequent lot damage caused by the leak would be the lot owner’s responsibility to insure and repair.
Is the above incorrect?