It depends on what the condo bylaws say. If the bylaws are silent regarding deductibles, it is likely that you do not have to pay. If the bylaws impose liability on the owner in all circumstances, you are likely going to have to pay. If the bylaws say you pay only if you were negligent, then the Board will have to prove you were negligent, and if so, you pay. Check the bylaws – but also check your own coverage under your home policy for “deductible coverage”.