Richard, this may not affect you.
Typically, the building replacement would be an HOA expense, and would likely be paid for by the HOA's master insurance policy. Typically, but, not always.
Anyway - first thing, check with your HOA management to find out. If it does turn out that you need separate insurance coverage, then consult with your insurance agent over the CC&Rs and other condo documents to determine what architectural standards or impediments to construction there may be.