“Is you my sistah?” (wt)

Houston, 1958 The ride from Houston was long, but at least the bus was air-conditioned. The ride gave him time to think about what he was leaving behind: an empty house, his belongings left sitting in the middle of the floor of the shell that had been his home with his wife and baby daughter, Barbara. Pitiful looking, that small box of his things. He’d borrowed a suitcase from a work buddy, placed the remnants of his life into it, shut the door, put the keys in the mailbox, and headed for the bus depot. He had an uncle, on his mama’s side, and a baby sister out West. Baby Sis was in Portland, Uncle in L.A. He bought a ticket for California. Uncle had a business and he was certain he would be welcome. On the bus, he headed for a seat as close to the back and right side as he could. Finding an open seat next to a window, he folded himself into the seat, turned the hearing-aid in his left ear as low as he could, stuck his Stetson over his eyes, and promptly slept. Los Angeles, 1955 “Where are we going?” Baby Sis to her friend, Mildred. “Somewhere the baby can breathe.” Many things had happened, many experiences had by Baby Sis after she ran away from Texas at 17. First, she tried Portland, but the place was too remote, her cousins too citified and straight-laced, always going to church and expecting her to wait on them hand and foot. She’d worked at Luby’s and had quite enough of cleaning up after other folks. Within nine months, she moved to Los Angeles near her maternal Uncle. She met a Mama’s boy, married him, and soon left him for the peace that being on one’s own can bring. Met a Korea War Navy man, enjoyed his company, worked for a doctor as his office manager, birthed that little girl in the picture, moved into that house, started working in the garment industry. Always practical, and skilled at whatever she chose to turn her hand to, Baby Sis learned to sew. Work in the industry was plentiful, paid fairly well, and Boots was very supportive of her having to take care of a child on her own. “You sit there and learn to operate the machine. Make some dresses for your little girl.” It was Mildred who got her the job, introduced her to Boots, who was the first woman Baby Sis had ever met who owned a business as large as Maloney’s. Not only did they make garments, they designed, cut patterns, made first samples, as well as production runs. The little house Mildred brought her to near Christmas that year was a godsend. Mildred couldn’t abide the single Baby Sis had rented when she came to LA. “You need a separate bedroom or you’ll give the child lung troubles, breathing that cook smoke.” The landlord was a Jehovah’s Witness. He and his wife were simple, good people. They rented the one-bedroom house to Baby Sis for less than the cost of the single. Mr. Lambert readily came if called to repair or address some problem, of which there were very few. Built in 1923, the house had hardwood floors, built-in cupboards in the kitchen, a meal counter that allowed conversation between the kitchen and the living room and one could sit at the counter and eat. The place was neat and tidy, like a little ship. Most people said it was like a doll’s house. Small front and back yards, with a clothesline out back, next to the workshop. Mr. Lambert had equipped his workshop with shelves, cabinets, and a sturdy table made of thick, dark wood. He worked wood and metal in that shop. Likely, he built the house out of that shop.

Caught on to the Mad Movida that is Fraud and Grand Theft by Safeco Insurance and Protech Construction

One of the crimes commited here is conspiracy to commit fraud. Then, there is the grand theft. Corruption of government inspectors may be involved as no building permits exist and code violations continue in effect. From the time Kent Stiles took over the handling of this claim from Trevor Haaswyk, the intention was to defraud, plunder the claim for as much money as possible.

I am so sure I am not the only one who has been victimized by these thieves.

Stiles manages the paperwork. He creates, alters, and otherwise manipulates documents to fit the needs of the time, whatever is needed to facilitate theft. His field adjuster, Nahal Mazandarani, was sent out to gain my confidence, survey the site, and act as if the lack of a foundation under my house was a thing significant enough to warrant the complete demolition and rebuilding of my house and storage shed, even though there was no structural damage done to the storage shed. All destruction, including the cutting down of my healthy, fruit-bearing, 31-year-old lemon tree and the decimation of all of things planted to support pollinators and clear the air around my property,  following from there being no foundation was blamed on Building and Safety inspectors.

Somehow, Protech managed to rebuild this house with plans for repair, regardless of my complaints. It is no wonder I am now short 8 sq ft from my house, according to the company that came out and measured the objects on the lot to provide me with a premium based on the property standing here now, not my 1923 Rambler. Neither Protech nor Safeco notified anyone that this house and shed had been rebuilt. As this work was considered complete in December 2017, when it was abandoned by Protech and my family and I were forced in,  I think the rebuild was never going to be reported. Plunder access point number one.

Tactics to which I was subjected during the commission of this fraud included bullying, gaslighting, lying, and stalling. Stall for time, drag it out. I was given an estimate of 3-6 months to complete the project. Why was I out of my home for 18 months, not counting hotel time? Protech invalidated their own contract by not completing my home within the estimated time frame. It didn’t matter how many complaints I lodged; they had a plan and were sticking to it. The crime is in the plan and the sloppy execution.

The second plunder access point was the $165K in personal property monies that went untouched throughout the claim. I didn’t save the insurance company any money, that’s certain. You’d think they’d care to know how these schmucks not only robbed me, but also them. When I complained to Stiles that the items for which he was being asked by the contractor to pay were nowhere in this house, he told me to file a police report if I thought things had been stolen from the site. He then made the police report disappear by giving the report to another adjuster, telling him to process it as a fresh theft claim. Stiles previously told me that he wouldn’t pay for the items I said were missing, but he sent the police report number and a list made up of items he told me were not covered to the new adjuster. That adjuster processed this new theft claim, charged me another deductible, and poof! the police report with Grand Theft on the cover, that details $75K worth of nonexistent items vanishes as a closed claim.

Because the relationship between adjuster and contractor is confidential, they can accomplish all sorts of tricks with no oversight. It is as if the relationship is sacrosanct. It is because of the nature of the relationship that Stiles and Paglia have likely done this job of work several times over the last 16 years. I know I am not the only victim, but I may be the only one to have realized what was happening and alerted one agency when the estimated 6 months of being out of my home was exceeded. Had to stick it out to the bitter end to really see what was going on. I am 7 months past the time I should have been talking about this, but it is only now that I am receiving paperwork from the Assessor’s Office and Safeco regarding premium renewal that I can see, clearly, how Stiles pencilwhipped me and my complaints out of existence.

My home is smaller and there are many things wrong with it that will necessitate tearing this mess down and starting again, this time with the proper documentation and proper procedures followed. Now, there is an investigation into fake inspections because not one building permit exists for this horribly rebuilt house. No building permits, no warrantys, no invoices, no receipts, except for fabricated ones. Nor were there supposed to be any. It was supposed to look as if Protech was only recently hired on to correct errors for which some other contractor was responsible.

I have 6 estimates for the same job. None of the final numbers match. I was asking for the return of the $80K Safeco paid Protech on my birthday, but I realized I must ask for much more because there is so much that must be corrected and paid for.

I entered into this contract in good faith, and have been treated nothing but badly. I am looking for justice for all of us who have been duped by these scoundrels.

 

 

 

Gaslighting Pays: SAFECO/PROTECH SCAM

The independent inspector submitted a report to Safeco that was over 23 pages long. They came back with their position that I was only owed $6500 and that I could probably get that money from Protech if I signed a release.

No mention of the missing warranties. No mention of the fact that there are code violations that Protech is responsible for creating. No noting of the fact that I reported incomplete and faulty workmanship; Safeco’s Kent Stiles paid Protech in a hurry from an estimate that was later swapped for another equally inaccurate version that was given to the independent inspector.

In all this time (2 years), shouldn’t there be a final bill, final invoice? Nothing final, prices changing. No warranties, no permits, no instruction manuals especially for the fire sprinklers. The house is torquing. Every day there is another glitch showing.

Neither Safeco nor Protech are trustworthy companies.

BEWARE!

Now, I Am Believed

Well, well. As Safeco hired the Independent Inspector, I expect to never see his report. When he presented himself here, he seemed fair and even-handed, I might even say fair-dealing emanated from him. I must be radiating some sort of freneticism because all men wind up talking to my son. I think they hear me, but they talk to him. At first I rather despised this male habit, but once I rethink it some more, I’ll get back to this line.

For six months, we have been glamping, with the boxes that have no where to go gracing the “driveway” and the “back yard” with their unexamined contents. After opening 400 boxes on the dead run, I hadn’t the manual dexterity to continue. Gotta rest that carpal tunnel, doncha know?

No stove hookup available, no flex line and cut-off valve. But this was paid for. So, I bought some electric burners and have been cooking with electricity. Hate it.

The meter board should have arc faults in it. They were removed by Protech’s electrician when I called to tell them the breaker was thrown when nothing much was on. I think the place needs rewired. Their fix was to remove the Building Code-required arc faults.

The adjuster who made the payments, Kent Stiles, continues to head up the investigation into my claims of his, Mazandarani’s, and Protech’s malfeasance. How can he investigate himself? I asked him this directly. He provided no answer. I had the opportunity to ask his manager, and he said Safeco thought he was the best person for the job because of his “familiarity” with the case. The man has participated in my gaslighting for over two years, masterminded the situation IMO because he is the common denominator among all adjusters who have worked on this case. Stiles took over the case from Trevor Haaswyk, who later left the state. Stiles made the payment to Beal Bank. He made the $80K payment to Protech in March even though he knew full well the job was in active dispute. I used his estimate to craft the police report itemized list of items stolen from my property. Safeco paid for all sorts of things after Protech provided them with a written estimate. Not a final bill. No invoices. An estimate, only, after two years. At this point, some precise figures should be available.

But, no. After submitting this $80K estimate to me, Protech issued ANOTHER ESTIMATE, that stated they spent $238K on this project. Again, what was installed was altered, costs changed, still no receipts or invoices presented, no explanation of the change in cost from their original “bid” of $190K to the final $238K. Stiles is the only one qualified to investigate these irregularities as he aids and abets grand theft. SMH

 

 

Finally, An Independent Inspector

After six months of wrangling with Safeco Senior Claims Resolution Specialist Kent Stiles,  whom I fired one month ago, enduring his continued attempts to humiliate and abuse me, his attempt to go through the back door of Innovations Properties to get me hooked up with the contractor network that I thought I was already a part of, an independent cost consultant was called in.

Stiles did not want him to know about the 19 days of delay that characterize the first days of my claim that was handled by a fellow named Trevor Haaswyk, now employed elsewhere. Wonder if I should track him down and get a statement? I may present this in civil court if this matter is not resolved to my satisfaction.

The inspector was treated to a first-eye look at the hideous workmanship that is Protech’s signature if all of the online reviews are to be believed. He photographed the overtorqued roof that is twisting the house and causing the apex joint in the centers of the house and garage, front and back, to separate and jut forward and backward. He saw how they deviated from the “plans”, a different set than those presented to me over 18 months of deceit.

The inspector also had a look at the last estimate submitted, documenting that Protech claims they were paid over $238K when their initial bid was $190K. They submitted no paperwork indicating why they needed this extra money. I have no documentation in this house for anything installed, no warranties for appliances installed, and a previous estimate that netted Protech $80K. That estimate was not presented for inspection. Guess the State Contractors License Board will have to take that into account.

I know the inspector found we were charged for items and services that never happened or were never installed on this property. I know he took note of the shoddy workmanship in evidence.

 

Why Safeco and Protech are Fired: Insurance/Contractor Scam

Moment2In conversation with the State Contractors License Board, I learned that the relationship between a contractor and insurance adjuster is private, that no one is privy to what goes on during the claims process between them. This characteristic of the claims process works against the consumer, as I am a living example.

Protech did everything to make the outside of the building look good, but it is deteriorating before my eyes. They provided no invoices, receipts, warranties, or any other documentation to go with the objects installed in this house. There are fire sprinklers in here about which  I have no clue.

The floors are allegedly oak hardwood. I was told to choose laminate because hardwood was too expensive and I had to be mindful of my budget. I never could get a number figure as to how much was in my budget, but found out later that there was $80K remaining in the account. This was paid out to Protech in a mad rush, in the midst of dispute, with the work undone. They didn’t have time to vent the house, the electrical needs rewiring. There are two vent-free, infrared heaters in here somewhere, but I see only a gas heater.

My kitchen is set up in such a way as to prevent my safe use of the stove. Gas lines installed where they are unneeded. I have not had full access to my kitchen for 5 months. Kitchen cabinets were only installed last week, yet they were listed as items bought and paid for on the estimate presented to Safeco for payment. Everything completely unverified, yet paid for, in full. Astonishing.

Frames were not removed, but left to rot underground. The water filter, connected only to the hot water even though it was billed as a whole house filter, had no filter in the canister. The contractor locked the tool in between pipes and told me he couldn’t remove it without turning off the gas. He stuck with this lie for weeks, then came and freed the tool without turning off the gas. Next, he tried to stop us from looking at the filter by saying there was no need to open the canister. Nevertheless, my son opened the canister and this is when we saw there was no filter in it.

The fencing is poorly done and every metal thing on the place, including the security door and the fencing is of poor quality, no comparison to what existed here before. I had hardwood floors, recessed lighting, the most beautiful and pollinator-inviting yard you ever saw. Protech destroyed it and left this cheap junk in place of my handbuilt, 1923 Rambler.

I suspect none of the appliances installed are new. Everything with a date on it comes from 2015. There are no invoices or receipts to prove differently. This house was built as a flip house. This is business?