According to the associate insurance compliance officer with the State of California Department of Insurance, Safeco Insurance has handled my claim in complete compliance with the Insurance Code and the Fair Claims Settlement Practices Regulations. Therefore, the following is all perfectly legal.
It is in compliance with the Insurance Code to respond to a claim 19 days after it is reported.
It is in compliance to fail to provide repeatedly requested documents that supersede an engineering report upon which claim settlement was based.
It is in compliance to fail to provide repeatedly requested itemized statements that accompanied checks paid to the contractor that should be in the claim file.
It is in compliance to fail to provide documentation of a whole-house red tag, upon which the destruction of my home and undamaged workshop was based that should be in the claim file.
It is in compliance to fail to report the rebuilding of my home, to carry the claim as repair only, and to fail to report the changes to Underwriting.
It is in compliance to falsify documents like the statement that itemized more than $80K of goods and services that were not performed nor were installed at this site.
It is in compliance to ignore consumer’s repeated reports of malfeasance.
It is in compliance to fail to honor the fiduciary responsibility the insurance company owes the consumer.