请教condo/HOA保险的问题

我有一个condo的屋顶(属于公共部份)受到损坏。HOA的保险公司同意修屋顶,但是不同意赔偿因屋顶损坏而不能居住的损失(从损坏到修复)。保险文件中有关章节是这样写的:

 "Property damage" means:
1. Physical injury to tangible property, including all resulting loss of use of that property;
2. Loss of use of tangible property that is not physically injured; or
3. Diminution of property value

关键是"tangiable property"是否指建筑本身? 谢谢。