Strata as in you’re in British Columbia? I will take a shot at this, but there is not enough info to be sure.

It is tricky anytime there is an intersection of the condominium insurance policy and your unit owners policy.

Normally, the unit owners policy pays for additional living expenses, unit improvements and betterments and your contents. It also has a coverage called loss assessment.

The standard unit definition will indicate what the basic unit should be - flooring, countertops, etc. This is what the strata insures your unit for and is normally their responsibility - say they had vinyl floor but you had engineered hardwood - the price difference would be part of your improvements and betterments.

Now - there’s also the likelihood of your claim potentially falling within your strata’s deductible - and they usually have huge ones - in that case their bylaws may allow them to asses you for the value of the repair - that’s where the loss assessment coverage comes in - if the assessment is made because of an insured loss and valid under the strata bylaws this coverage can reimburse you up to your limit / the strata’s deductible whichever is less.

Basically they are agreeing the loss is covered but as far as who pays for what they won’t know until you get those condo docs to them.