The damage to the building is presumably in the condo's common elements, so no I do not believe it would be covered by a individual homeowners policy. Their in

The damage to the building is presumably in the condo's common elements, so no I do not believe it would be covered by a individual homeowners policy. Their individual unit has no damage, it's the structure below the unit that needs repair. The homeowners are out of luck until a claim is made on the master insurance policy. This shouldn't actually be a problem because that's what the master policy is for but it sounds like something has gone wrong with making a claim.