Condominium Gutting Excluded as an Act or Decision?

We have several insureds, insured on standard condominium unit-owners policies, who resided in a large condominium complex. The condo building was damaged by the recent hurricanes; however, not all units sustained physical damage. None of our insureds' units were damaged. Because some of the damaged units were found to contain mold, the condo association made the decision to gut all units to prevent any further spread. Now our insureds are looking to us to cover these costs.

Are we responsible?

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