I hope it all works out well.
But I can see the OC's point of view. Their building insurance would not always cover carpet or paintwork that is inside a lot – that is the lot owner's property and responsibility to insure. And if the damage was due to an 'Act of God' you might not have any case to claim against the OC – because they might not be liable. So OCs and OC's insurers often seem to initially say “we do not cover internal lot carpets or paintwork etc”.
But if the OC were liable for the damage to your lot (e.g. due to neglect of common property maintenance), then the OC's building insurance should hopefully pay for the your damage under the OC's liability cover.