Real Estate Law
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Condo units can be a bit tricky. Typically, you should carry renter's insurance to cover all of your personal property as the unit owner is not responsible for insuring your personal property. In a situation like this where there is a leak in a pipe in the roof (the same applies for pipes in walls, etc. that are the responsibility of the Association), the Association is in charge of addressing the issue and fixing the broken pipe as well as any and all sheetrock, drywall, etc. They are also responsible for remediating any mold that forms as a result from the leak.
When the water loss first happened, the Association should have sent out a remediation company that would have set up fans in the unit to dry the unit out and prevent mold from forming or worsening. Did they do that? It sounds like you may have some mold due to your lungs hurting. That is typically a sign there is mold that you are breathing in.
They legally cannot remove the lock to your property. You also cannot unreasonably deny them access to the property to address the loss. They do have to schedule inspections, repairs, etc. with you. They cannot simply show up unannounced.
You're only potential remedy in this action is to sue the Association. You cannot withhold maintenance payments.