My point is that all insurance companies can do is defend suits and pay judgments (money). It’s not “justice” despite others’ characterization of it.

That said, money judgments or settlements are perfectly appropriate in many, many instances. But if the family seeks “justice” why look to an insurer? If you say you want money, then it makes sense. Just say as much.

Insurance companies have deep pockets and can provide lots of justice for any particular case. But like ants at a picnic claims do not come one at a time and insurance companies. The companies have to balance premiums to expected payouts. Those premiums would be very high if justice is provided to all comers.

The law requires some proof of culpability of the Insurance Companies clients. How culpability applies to the homeowners association escapes me.

I apologize to Mr. Barney if he was just using sarcasm.