It depends how the damage was caused. We’re going through this at the moment in our block.
One unit has severe cracking in their brickwork. There was a leak in a nearby sewerage pipe that has now been repaired.
This was discovered there was a blockage in the sewerage pipe that needed to be cleared.
Around the same time a tenant drove their car through a brick wall near where the cracking was and when the insurance company was determining how to fix the fence they realised that the ground had sunk leaving the footings unable to support a new fence.
The collision did not cause any damage to the cracked brick wall.
The insurance company has advised that if the cause of the brick work cracking was as a result of earth movement caused by the leaking sewerage pipe it will be covered by insurance. If the cracking was caused by general earth movement then it’s not covered.
The insurance company has commissioned an engineer’s report to determine how the earth moved for the purpose of fixing the fence that will also be applicable for the cracked wall.
You have a long road ahead of you and be prepared to end up paying for it yourself.