Who pays for damaged balustrade?

A lot owner has outdoor furniture that during a storm slams the balustrade and damages several of the aluminium balusters and breaks a glass panel. He advised the EC and asked if it could be repaierd, they said that as it was caused by his furniture he would have to pay for it. He argued that it should be covered by our insurance. They refused that but have come to a resolution (at the last EC Meeting) that they would pay 50% and he would pay 50%.

What is right here? Should accidental damage be covered by our $50K insurance policy or not? Who pays the excess?