Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · Homeownership · Insurance Claims · Insurance Scam · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud

AVOID SAFECO INSURANCE and PROTECH CONSTRUCTION continued

Kent Stiles is a Senior Claims Resolution Specialist III for First National Insurance Company of America, the underwriter for Safeco Insurance. He is a crafty yet craven man. He will not answer direct questions about his handling of my claim. Yet, he is the only person I am allowed to talk to when I call about my claim. He lies, twists facts, or will not answer questions that he doesn’t want to answer. This is bad faith.

I requested a copy of my claim file through an individual who answers the phone at Safeco. The pleasant woman happily sent what was enclosed in my claim file at the time of my call. I received a sheaf of papers that detailed work and materials that did not exist on this site. No hardwood floors, no vent-free infrared heaters, no alder door. I don’t even have a back door, though I used to.

Once I started questioning Stiles about this invoice and telling him that the items were not present at this site, that he should not pay Protech, he straight ignored me and sent payment for $80+K. I have repeatedly asked him why he did this, but he never answers this question no matter how directly it is put to him. This, too, is bad faith.

I requested my claim file directly from Stiles’ alleged supervisor, Jeffrey Walker, and received a large box full of documents. At the very top was the engineering report I’d asked Stiles about over two years ago. You see, he kept my claim file on a restricted status after I received it directly from Claims. No other eyes but his or his Claims Department cronies could view my file, and one adjuster, James Hudson, said he wouldn’t read the file anyway.

How can I trust these people? They have closed ranks to protect their own and no one at Safeco cares about the now well-documented damages I’m suffering.

Kent Stiles wrote my claim up as repair only. All paperwork relates to repair only. It would have stayed at repair only had I not begun to fight with him about my treatment. He is currently trying to spin what was obviously a rebuild. This structure is smaller than my home. This structure is poorly constructed. My home was well-built by hand of old walnut. That’s likely why it stood up to the blow of the tree fall. My property taxes have tripled when the assessor didn’t bother to get the correct measurements of this structure.

This claims experience has been exceptionally awful, but there seems to be no help for me coming from within Safeco.


Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · trauma

Heading Into the Stretch

Safeco/Liberty Mutual (avoid them) claims adjuster Kent Stiles will not provide the superseding document to an engineering report in my claim file. That report stated that only the bedroom of my home was in need of repair, and the check was cut for $48K to settle the claim.

Kent Stiles claims I have received all the documentation to which I am entitled, but I contend that if the first engineering report is in the file, why wouldn’t the superseding document be in the file?

Kent Stiles has had cooperation from many people in the claims department. The team that he is a part of is corrupted. He restricted access to my claim file for a slap year. Still, I won’t stop pressing this issue, telling my story, mentioning his name until I get his license pulled.

I have contacted the CEOs of both Safeco and Liberty Mutual. Contacted the CFO of Liberty Mutual as they own Safeco. No response.

Lately, I’ve taken to reporting the crime on their fraud email,
abuse@libertymutual.com. After my first contact, they had a member of the Presidential Service Team call me. She is the same witch who has been helping Kent Stiles cover up his thievery. So, I wrote them again, gave them a list of individuals involved, asked them to have those on the list never contact me again. The Presidential Service Team is supposed to assist clients to resolve issues with their adjusters, but they help the adjusters unless I’ve just had the misfortune to get hooked up with all the crooks at Safeco. I wrote a third time to give more detail about Stiles’ questionable handling of my claim. At this moment, there has been no response.

AS · Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · Economic Anger · Health and wellness · Homeownership · Insurance · Insurance Scam · Sociology · trauma

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.

 

 

 

aging · AS · Bad Faith · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance Claims · Paralegal Studies · power · small claims court · trauma

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.

 

AS · Bad Faith · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance · Insurance Claims · Law · Paralegal Studies · Probate · research · small claims court

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?

AS · Bad Faith · Criminal Organizations · Disaster · Homeownership · housing · Insurance · Insurance Claims

Fraud? Scam? Definitely Theft

I cannot believe what I am learning from documentation sent to me from Safeco. At some unspecified recent date, Safeco paid Protech Construction more than $80K for work allegedly completed at my home. The check was sent to the contractor as were three others, but I never signed them.

There were three prior checks disbursed with my name on them and I had to sign those checks.

Still processing . . ..

aging · AS · Bad Faith · Criminal Organizations · Disaster · Homeownership · Insurance · Insurance Claims · Law · observations · Paralegal Studies · power

Is This Fraud, Larceny, or What?

 

Just made 63. The struggle is real.

Safeco, Liberty Mutual has provided the claim file. I have found $28-30K of discrepancies. Safeco has foisted the burden to the contractor, who was brought into the deal by the Safeco adjuster.

I asked the adjuster about the remaining claim funds in October and she refused to answer my question, went incommunicado for two months. When she did surface, it was indirectly, through my housing provider, to cancel my housing, telling me my house was fit for move-in.

It wasn’t.

Got a copy of my claim file. Says I bought hardwood oak floors that were sanded and stained and non-dust sanded, too. Trouble is I can’t find those floors in this house. These are laminate if I’m a day old. Says I have TWO infrared, vent-free heaters. There is a gas monstrosity in the living room. Says the porch pillars have been paid for, but I don’t have a porch any more.

All totaled about $30K in questionable charges. From missing windows, shutters, a back door, hardwood floors, bathroom mirrors, and kitchen cabinetry, to outright lies about what exists in this house, this is pretty shocking shit to me.

The insurance company is quick to advise taking the matter up with the contractor, but the adjuster brought the contractor with her. They are in this together. This isn’t the first time, either, I’d wager.

AS · Bad Faith · Criminal Organizations · Disaster · Health and wellness · Homeownership · Insurance · trauma

SAFECO INSURANCE BAD FAITH

I have to get this down before memory fails because it seems to me that Safeco Insurance is attempting to cover up their bad faith.

After asking my adjuster a question about the funds remaining in my claim and a question about the engineering firm that drew faulty plans, she did not communicate with me for 2.5 months. When I heard from her, indirectly through the temporary housing agency, it was to cancel my housing and tell me my home was ready to move in.

In August 2016, I was given an estimate of three months for completion of the rebuild of my house and storage shed. The plans were drawn by engineers from Powell and Associates. They made a major error when drawing the plans in that they completely missed the orientation of my lot. My lot lays like this: \ \, not straight the way they drew it. Also, they did not account for all of my landscaping, which was purposely planted and cultivated to attract pollinators and to help my asthmatic family breathe.

18 months later, Safeco Insurance is trying to force me into a home that has not been signed off on by the County, that had no utilities on, where none of my appliances have been returned from storage. My adjuster sent me into a property that had an open trench, downed power lines, and mounds of soil in both the front and back yards. There is only one entrance, and to enter required stepping over a palette and a plywood step. And then, she played the victim because I asked if she was on drugs. Her actions indicated to me that she was either mad or on drugs. This is part of her gaslighting routine. All through this claim process, she has either downplayed my concerns, ignored them outright, or told me they were not important. Her victim missive completely forgets to mention she sent me into a home that was not ready. She tried to cover by saying she reinspected the property, after she shut down the project (abandoned it), and discovered there were still things that needed done outside. Inspection should have happened before ending my housing and telling me to move in.

I have no idea who to trust or talk with about this problem that has existed since the beginning of the claims process. I now trust no one associated with this project, save my contractor, who is the literal man in the middle.  He is being asked if the house is “livable.” It cannot be livable if there are no appliances and no utilities, yet I am being pressured to move in. Why? Perhaps because we are long past the completion estimate of 3 months.

I feel I have been set up to appear uncooperative. If the claimant is uncooperative, work can be stopped. I think this is what is happening, but I can’t prove it. There is no effort on the part of anyone associated with this claim to own that I was sent into an incomplete house without a certificate of occupancy, without utilities. And when I asked if my adjuster was on drugs, I was told that sort of accusation would not be tolerated. But I am supposed to tolerate the abuse I’ve endured for two years, including the decimation of my landscaping and the ignoring of my complaints that something was wrong with the plans from the very beginning.

This looks and feels like bad faith.

 

AS · Criminal Organizations · Disaster · Homeownership · Insurance · trauma

Driveway?

See that square underneath the water heater? That is where my big, old-fashioned water heater stood since 1923. If this area had been a driveway, why would the water heater have stood there?

There was never a garage on this property, either. Current code requires covered parking. Had the draftspeople drawn the plans correctly, and had the Safeco adjuster done her job correctly and told them to redraw the plans to correctly reflect the angle at the back of my property, I would not have to continue to correct her notion that there was ever a driveway on this property. Had she demanded correction to the plans, the garage could have been placed in the front of the property, eliminating the need to denude my property. As it currently stands, the garage is too close to the house for any vehicle to be safely driven into the garage, which would only hold a smart car. Note: I do not own a car.

That concrete slab was my patio, accessible through my back door that is no more because no door can open onto a driveway.

As the adjuster continues to oppress me, I have filed a complaint with Adult Protective Services for financial abuse, and will file a complaint with the Insurance Commission bright and early in the new year.