Unlike captive insurance agents who represent their company and who will refer you the company insurance adjuster (whose job is to pay as little as possible), we assist our HOA clients in processing all client claims. Unfortunately, accidents happen and losses occur. This is the reason homeowner associations buy insurance. When the unexpected takes place, your board of directors needs unbiased, helpful advice and assistance. This is what you get when you do business with Independent Insurance Agents of California, an independent insurance broker-agent.