In my opinion as a honest General Contractor in the Portland Metro area for the last 20 years, the biggest problem is the Ambulance chasing that is going on now. Teaming lawyers, Inspection firms, and siding companies. Even the Property management companies have joined this Biased conflict of intrests. Who pays the bill???? The well intentioned HOA and their residents are talked into going after a builder for construction defects. When it's done. Excessive work is performed. Home owners are assed 10's of thousands of dollars. The Private inspectors, lawyers, and siding companies get rich. And they move to the next HOA. Are there construction defects?? Of course. But can you truly expect the companies that stand to profit MILLIONS to present a non biased report. IT'S A RACKET.