The main reason is people get massively stressed and fear a multi-million dollar settlement and so agree to settle for a few hundred Thousand dollars. 

Since then, I have done hundreds of deals over the various strategies.

I am now out 50k and have a few hundred grand sitting in escrow.7. not willing to just walk from 50k if there was not this 50k I would have just moved on.8.

Have since insured a triplex with them as well, saving several hundred dollars in the process.

BTW, I have a 2 decade long Facebook profile and hundreds of "friends" something you don't usually see with scammers (new profiles created with very few friends).  

Next up, tenant complains of mold and faulty cabinets.

Imagine what our grandparents paid for TVs relative to their income, for a 12" BW box inside a cabinet that weighed 300 pounds, especially in today dollars . .. . 

In that story the bank president looks through a file cabinet to find the file.

And they had taken the kitchen cabinets apart and burned them in the fireplace for heat.....I salvaged some and painted over the burn marks, didn't look half bad....ya can't make it up, right?

For me, it's not worth the time to save just a few hundred dollars by leveraging these policies.