In order to increase profits and employee bonuses, some insurance company adjusters and insurance companies have done the following:

• Attempt to obtain an admission (sometimes recorded) that the HOA was partly at fault in order to reduce the amount paid.
• Discourage the insured from consulting with an attorney to protect his or her rights. The most common technique is to state that an attorney will receive a percentage that does not have to be paid because the insurance company will treat the insured fairly.
• They may attempt to settle very quickly before the total extent of damages has been determined. They fully understand that severe problems often do not become evident for many months.
• Blaming the damages on a preexisting condition when any preexisting condition is not material or has minor relevance.
• Claiming the damages were caused by the failure to maintain the property.
• Insurance companies sometimes establish contests among insurance adjusters and their captive agents providing bonuses and other gifts t? those who payout the lowest percentage of insurance proceeds. This obviously creates a conflict of interest with the client. The result is predictable.

Many of the largest insurance companies in America have been sued in order to force them to pay claims that should have been paid routinely. The list includes Farmers, State Farm, Allstate, and many others.