Do you have to pay condo fees if you cannot get into condo due to fire?

Yes.

One key benefit of an HO-6 -- condominium owners' insurance policy -- is the option to insure against loss of habitation, which can include paying your assessments during a period when your unit is not available for habitation.

Without this kind of insurance coverage, you must still pay your assessments in addition to whatever extraordinary living expenses you are incurring while the repairs are being accomplished.

You can ask your board members or your management company to help you find these provisions in your governing documents.