If you go through your insurance this counts as a claim against your policy. If the association wants you to use your insurance and you are okay with this, you should have them to pay your deductible for your insurance and also have them to tell you what section or paragrah of the buy laws have the information pertaining to common elements and responsibility. It doesnt make since to put in a claim with your insurance if they are going to deny it due to responsibility.Hope this helps you.
Side Note if it clearly states that its association responsibility then the association has to pay for it through insurance or out of the reserves!
Call your association back and ask them to tell you where in the by-laws you can find this section & article numbers. Isn't that what you want to know?
Reading (and understanding) the by-laws in some cases can be a session in understanding law, especially if you're in a bigger building with many units!
Good luck to you!
There are many good answers here. I also live in a condo. I would have your insurance look over the by laws and see if there is a claim you could file. I do not think there is and the HOA is responsible. Most importantly, if your HOA is not in financial trouble, I would tell them if they do not want to file a claim they should complete the repairs and pay them out of the HOA reserves. I am sure there is money set aside for building maintaince and unforseen repairs.
Based on the information you have provided above, its seems that your condo association is/should be responsible for paying for damage. However, based on the kind of insurance policy you hold it may or may not cover the damage. If your bylaws are not very clear, It will best if you contact an attorney who is experienced in handling these kinds of disputes. A person who can review the bylaws enlight of today's legal practices . Hope this is helpful to you. Please feel free to contact me if you have any other questions that I can help you with.