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You are entitled to be compensated for the repairs.
I don't know why the insurance company is saying that but really their view is not relevance to you at all. It doesn't matter what they say as whomever caused the damage is liable to you.
If it was the owner's fault then the owner is liable to you but if the fault is with the common elements then the Condo Corp is liable to you.
And you can sue them in Small Claims Court and self-represent if necessary.
Does that help as a starting point.