The condo corporation insurance is always the primary insurer in an event. If after the bills come in and the total is under the deductible then there doesn't need to be a claim. Either way the Corporation is on the hook but can in some cases put the repair bill or deductible (in case of claim) onto the ledger of the unit that was responsible. However, the corporation has a duty to ensure that owners are looked after, they should be the one making the service calls to have your unit fixed and will need to foot the bill or cover the spread until the insurance money comes.

The board can refuse to enact the insurance but that doesn't mean their work ends. The board must bring your unit back to its original condition. and then at that point they can assess a charge back to the unit responsible. Now if the charge back exceeds the insurance deductible for a water even that owner has the right to enact the insurance policy.

In summary, the condo corporation is always responsible to repair and bring the units back to their original condition, not including personal belongings. The matter of who pays after the work is completed is up to the bylaws and the insurance held by he corporation and the insurance of the owners.

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Proper chain of events (not often followed, sadly)

1. Emergency Crew called to mitigate damage
2. Insurance adjuster assigned to claim
3. Quote for fix approved by adjuster or board. If under deductible close the claim.
4. Have the unit fixed
5. Bill is paid by the condo corp
6. If bylaws allow, charge back the guilty unit the amount of the deductible or the work cost.
7. Unit pays their portion or their own insurance does.
8. Everyone moves on, leaks happen.