[DoubleF]

It could be a little more along the lines of a bad property manager than a board who is ignoring you. The board might know as little (or even less) than you do. I've seen that before.

I've also seen condo boards are incompetent jackasses who do everything to fight everyone... but let's assume you don't have a board like that.

Having insurance on your condo and also requesting the tenant to have their own tenant insurance is a great way to ensure less headaches going forward. I think for your case, you forward the info to your insurance and let them duke it out with the management company/board/condo insurance. It should be relatively painless for you since you have multiple layers of insurance that should cover everything. I'd also mention to your insurance that you're consider offering a rent reduction while the tenant has no floor and whether they'd cover that too. I seem to recall I had heard of a situation like that recently and insurance was willing to cover a portion but not all of the rent reduction. I think it's worth looking into to be fair to the tenant who based on limited information sounds to be quite reasonable with the situation.