Normal for slow timeline for reconstruction of properties in a HOA?

Is it normal for homeowner properties that a HOA rebuilds, with proceeds from its insurance policies, to take a really long time following damage?

I own a unit in a multifamily building. Nothing fancy: a modest rental property. In early summer of 2019, a tree fell on the building, destroyed my unit and significantly damaged the building. (The landscaper may have done something to contribute to this.)

The HOA's governing documents say that the HOA must maintain insurance and repair common elements (and any excess insurance proceeds go towards rebuilding owner elements).

So in 2019, the HOA hired a consultant to handle this project. The HOA and the consultant have been working with the insurer.

Only in December 2019 were permits applied for and a scope of work given to us. Construction hasn't yet started, and it's been 7 months.

I am told that it may take many more months, and perhaps until late 2020, for this work to be done.

Other owners of units are ticked and are blaming the consultant.

I figure that (1) dealing with an insurance company, (2) dealing with a HOA board and (3) dealing with construction companies each takes a while. But no work being done for 7 months and counting, with rain and snow now continuing to damage the property, is getting to be a bit much. This may now be a year and a half with no income from the property (although insurance for lost rent will cover part of that period).

Anyone have experience with this kind of situation? If so, how long did it take for repairs to start and how long did it take for work to be completed?

Thanks.

I think the only way to get things sped up might be to get a new board. Else while the board and insurer may seem to be plodding, I doubt a violation of the governing documents, statute, court precedent or the HOA's insurance contract is happening. After all, progress is happening. Granted I would be furious as well. I think of friends who have had non-HOA home-destroying damage, like full interior flooding. The check from the insurer was in hand promptly. Arranging for contractors was up to the individual. As is often repeated here: When one buys into a condo, one cedes such control to a far less interested board. What Paul is going through here appears to me to be one hard lesson.

Like Shelia said, maybe the only recourse is for the future: Have better insurance on one's rental unit.

Maybe I would be a little grateful that I did not live in the unit and so be forced to be living somewhere else, in part 'out of a suitcase.'