It might have to be written into your bylaws, but my understanding is that you can recover up to the cost the deductible even if you don't make a claim.
I looked it up, and this is what my building's bylaws say...
Quote:
Regardless of whether a claim is made under any insurance policy of the Corporation, if the Board, in its sole discretion and acting reasonably, determines that:
(i) an Owner (or members of his family, his tenants or members of their families, his invitees, contractors or licensees) is responsible for the loss or damage that gave rise to the potential claim; or
(ii) the loss or damage or the cause of the loss or damage that gave rise to the claim or potential claim originated from the Owner’s Unit; the Corporation may recover the deductible portion of the claim (whether a claim is made or not) from that Owner and such amount shall be recoverable by the Corporation as a contribution due to the Corporation, together with interest thereon as herein provided, for the amount of the deductible and all costs, charges and liabilities associated therewith (including legal costs on a solicitor and his own client full indemnification basis) and with the collection thereof incurred by the Corporation, and such monies shall be a charge upon his Unit to the same extent as it would be if it were a contribution levied against the Unit.
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