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What I’ve Lost

I am certain it is not clear to you the extent of my loss. The lemon tree that took 19 years to bear fruit; buried atop my son’s placental home; planted by my mother who died in my son’s nineteenth year in her bedroom, in the house I’d lived in all my life-she knew him, she helped birth him, she drove like a javelin to Santa Monica, to the converted farmhouse that served as a freestanding birthing center, ensuring his literal birth in a barn. This lemon tree was cut down…by the subcontractor…who is now dead.

My son grew up in that house. He called it a crapshack because he was, in childhood, quite gangling and sometimes ungainly. He was forever stubbing his toes. It was a cottage. It couldn’t be helped that he was a bull in a china shop. Nevertheless, that crapshack was his childhood home and the satellite around which we wove our travels in the world.

We built, my mother and I, a library in that house. Venice thrift shops provided much of our largesse.  We collected, and read, hundreds of books. Destroyed, now, many of them, the bookcase standing in the yard with many of my other klediments.

I knew the man who built my crapshack, by hand. He was a JW. His name was Elmer Lambert. His wife’s name was Ima. I remember they had a daughter, but might also have had a son. The house was a one-bedroom cottage with hardwood floors, built in cabinetry, a counter between front room and kitchen that could be used as a table, serving area, and lookout point. The front door boasted a barn-door type window, giving an unimpeded view of the front and side yard. The doorway was wider than average.

All the doors in my house, save the front entry, opened to the left. Behind the door to the bedroom, Mom had built a linen closet to house our dishtowels, cuptowels, bath towels, sheets, small blankets, some small kitchen appliances. The left-opening door, when left open, provided cover for the cabinet.

I had to step down once into the kitchen. I had a white ceramic sink that was deep, and boasted knobs for hot and cold. It was a piece of a countertop, cookware storage, and under the sink storage unit. Facing the sink, my stove was to my right. I had hooks, hangers, cabinets on the upper walls to the left; a hanger for mugs, a couple of places to hang dish towels. Had a mirror mounted in there, and a light. The large rectangular window above me provided morning light from the east.

I love to cook. My son loves to cook, but he has to have a whole lot of room and prep area. Me? I can whip up something palatable with a couple of burners, but it gets monotonous. I’ve been living like poverty for over a year now with a gas stove that is not connected to the gas line because the contractor left the line capped, providing no connector. There are many gas lines under this structure because a gas line was run to operated the gas dryer I do not have and to the hot water heater that was placed alongside the “driveway” because this structure was built without plans.

The flooring in the bathroom is mushy and feels about to give way at any moment; there’s a leak somewhere, likely because the shower was not installed properly and was not sealed. I have no warranties, even thought I was promised three years of warranties by Safeco Liberty Mutual if only I worked with their preferred contractor.

I had a back door, through which I could generate cross-ventilation, get to my back yard easily. I still have the t-poles for my clothesline, but my undamaged workshop was torn down to make way for a “garage”. There was a scheme to turn my verdant paradise into a heat island, bordered by asphalt and cement. My yard was full of green and flowering plants, including succulents, bougainvillea, lavender, night-blooming jasmine, honeysuckle, a variety of roses. This in an area zoned for livestock and farming. I live in the County of Los Angeles. There are horses here. There are chickens here. There are nurseries here. But the County is gentrifying, which brings me to my property tax status.

In California, in Los Angeles County, in 2015, my property taxes were ~$650 per year. Now, in 2019, my property taxes have tripled. This job, done by Vince Paglia, was accomplished by tearing down my 1923 hand built Rambler home. I had a workshop in the back yard with a waist-high, full-length hard wood worktable. There were shelves that I remember saving magazines in because of the vertical dividers in the cabinet. There were shelves and cubbyholes on the walls. There was a great, heavy wooden drawer, that I possess still, that fit into the worktable. Vince Paglia tore down my workshop, the unpermitted expansion that was used for storage to put up a parking lot and I don’t eeeven have a car.

I miss Segovia. Segovia was a death cactus that grew in a ring of tires. Segovia was very tall, perhaps 7′-8′, and bloomed at night. When in bloom, Segovia’s scent wafted over the yard, blending with the night-blooming jasmine, sometimes the honeysuckle and lavender very faintly. Segovia provided most of the privacy in my back yard, grown along with the honeysuckle that grew on the fence. When Mama Gin lived next door, she was a homeowner who worked for the IRS. Her son served in the Air Force. Her daughter was a flit. She and Mom shared the care of the trees planted along the property lines between the houses. Mr. Lambert took care of most general maintenance, but Mom was pretty handy with tools.  Mom and I took care of the gardening and yard maintenance when I was growing up.

I remember Mr. Lambert gave me my first nickname. He called me Sputnik because I was his satellite as he worked about the place, prattling to him with my 2 or 3 year old self. Ima, Mrs. Lambert, always offered me fruit. I grew up kindly towards the JWs because I grew up with experience of the Lamberts.

I used to play and work in my workshop. I haven’t been able to use my spinning wheels because the inadequate garage is packed to the gills with my household goods. I haven’t been able to unpack because the house is now smaller, configured differently, has not even a closet, though a one-bedroom, one-bathroom was paid for. More than $80K was given to Paglia for goods not in this structure. I wish I did have the vent-free, infra-red heaters for which he received pay. I wish I had my back door. I wish the attic vents had been installed instead of the fire sprinklers for which I have no instruction manual. I don’t know what I’m supposed to do with these things because I never had them in my home before.

Vince Paglia and Kent Stiles of Safeco Liberty Mutual have put me in a bad way, I tell you what. I learned from reading the legal bric-a-brac that your insurance provider is not supposed to leave you any worse off than you were before you filed your homeowner’s claim. Maybe this is why Stiles has changed my claim number from 12-digit number to 22-digit number, and when I call to inquire about this claim number that I don’t recognize, no one else recognizes it either.  This brand new claim number is recorded on my claim history with the databases that record such data and hold it for seven years, along with the date of loss of every claim I’ve ever allegedly filed with Safeco Liberty Mutual, the cause of said loss, and the amount paid out to mitigate the loss. This brand new to me claim number even says my loss was caused by water. Imagine, the insurance company is recording false information; my loss was caused by the wind.

If my claim settled and paid out $48K under one claim number, why are $430K and $439K recorded under that new claim number as the amount paid out on those official records? Those records can impact the premium I’ll have to pay for insurance when I manage to escape from Safeco Liberty Mutual.

I have referred to the scam through which I’ve been put as GASLIGHTING. I hate being gaslighted, especially by a corporation that should have a fiduciary responsibility towards me, the insured, who paid premiums, on time, since 2011. Instead of being appreciated, I’ve been robbed.

I believe Safeco Liberty Mutual and Paglia and Associates do not appreciate the severe loss they have caused me. I think the dead contractor kindled the wrath, though….

Building Contractor Scam · Civil Court · Criminal Organizations · fraud · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · trauma

PTSD Blues (Public Service Announcement)

I lived in my home for over 60 years. Then, I made an insurance claim with SAFECO INSURANCE. Instead of simply repairing the damage done by the tree falling on my bedroom, they told me lies and stole my home through destruction. SAFECO INSURANCE, PROTECH CONSTRUCTION, LOS ANGELES COUNTY BUILDING AND SAFETY are all involved in this theft by deception.

Protech Construction was found to be in violation of the Professional Conduct Code, and was ordered to pay me for damages assessed by the Contractors State License Board. Protech did not pay as ordered. I filed a claim against the contractor’s bond, and they are now stalling me about payment.

If you are insured with SAFECO INSURANCE or have any contracting work scheduled with PROTECH CONSTRUCTION owned by Vince and Kimm Paglia, you need a new insurance company and a new contractor. SAFECO INSURANCE does not have any oversight. There is no one in charge there. The Presidential Service Team is no joke as it does not assist consumers resolve problems with claims adjusters. Claims adjusters and contractors maintain a confidential relationship that disadvantages the consumer. Once they close ranks, no help will be forthcoming from within the company. Consumers are forced to seek assistance from the Department of Insurance, but they do not help consumers get answers to pertinent questions and they make no demands of the insurance company to provide consumers with answers to legitimate questions about the handling of a claim.

SAFECO INSURANCE appears to have every law firm capable of fighting them on retainer. Not even PUBLIC COUNSEL would help me bring a case against the insurance company because of conflict of interest concerns. Unless one has an incredible amount of money, there is no legal help available. Stalling, along with lying, is the chief action employed in the commission of this scam. SAFECO INSURANCE repeatedly notified me that I could not file a lawsuit against them if it was not brought within a year of the commencement of work, hoping to convince me that the statute of limitations would expire and I would be without recourse. That might be so if I was only looking to prove bad faith, but this is fraud and a civil suit can still be brought.

CAVEAT: AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION, PERPETRATORS OF A CLAIMS SCAM THAT DEPRIVES CONSUMERS OF THEIR HOMES AND THE INSURANCE CLAIM FUNDS NECESSARY TO PROPERLY RESOLVE A CLAIM.

Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · Health and wellness · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · trauma

CRIME SCENE

As of Earth Day tomorrow I will be living in this crime scene for over a year and have been attempting to resolve my problem with Safeco Insurance for three years.

Safeco adjuster Kent Stiles continues to fail to provide me with requested documentation. Vince Paglia lies to the Contractors State License Board about plans that never existed.

I am unable to get corresponding, itemized statements like the only one I have that corresponds to an $80+K check for materials and services not provided here, but paid for by Kent Stiles.

I am exceptionally tired of living in this crime scene. I think I have succeeded in having my property taxes lowered as I was finally able to get the assessor to come back out here and measure the property. When he came here before, he didn’t measure. He took pictures and the contractors word for the dimensions of the structure. The contractor told him the structure measured 816 sq ft. It actually measured 585 sq ft.

Not only are the insurance company and contractor crooked, the Los Angeles County Building and Safety seems to have some issues with their building inspectors. Not all of them are honest dealers. I had to write an online request to get the appraiser to come back here. He took a page from Stiles and Paglia and ignored my first three calls. Sending written notification prevented him from ignoring me any longer.

I am so angry about this situation that I could not sleep at all last night. Three years of claim mishandling and abuse from Safeco and Protech. Insurance companies have a fiduciary responsibility to their consumers. I should not have been less well off than I was before I filed my claim for damages. I should not have a smaller house with no amenities. I should not have to continue being a customer of Safeco, but I have already experienced Stiles’ manipulation of the information regarding my claim; he attributed my claim to water damage when it was wind that blew a tree limb onto the roof of my bedroom, the only room damaged in the incident. Stiles and Paglia destroyed my undamaged workshop, the entire front three-quarters of my home, all of my landscaping grown to support pollinators. I had to look at my front yard, barren and without any growth, or color for such a long time that I refuse to cut the grass. I prefer looking at green to brown.


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.


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

AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION continued

From $48K to $430K. How did we get from one point to the other? Very illegally, step by step.

In the midst of being packed out of my home, I chanced upon a letter from Safeco that said my insurance was going to be cancelled for non-payment of the premium. I couldn’t understand why that would be because my premiums were pulled directly from my bank account and there was plenty of money to pay it. I called to correct this matter and found out the mortgage servicer who accepted payments for a loan my mother had before she died replaced their name on the insurance as a lienholder. Following the probate proceedings, where no claim was made against the estate by this loan servicer or any other entity, and I was awarded the property, free and clear, I removed MGC Mortgage from the homeowner insurance that I had been paying for years without my name being listed on the property.

MGC Mortgage, who I later learned represented Beal Bank in Texas, called Safeco and had their name replaced on the insurance and told Safeco they would be responsible for paying the insurance going forward. This is how my premium came up for cancellation; MGC Mortgage aka Beal Bank was trying to gain control of my property for the sum of $25,5K. They failed to pay the premium because they were trying to steal my home based on a false claim of having a Trust Deed against the property.

I don’t know when, exactly, my premium payments stopped coming out of my bank account, but it must have been just prior to the tree fall. My complaint about this led to the loss of my first adjuster, Trevor Haaswyk and opened the door to the King of Rip-Off Kent Stiles.

I will add to this story over the course of the day as I remember all that has transpired since 22 April 2016 continuing to today.

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

AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION

If you have an insurance policy with Safeco Insurance, you should look for another provider. There is something terribly wrong with a company that is supposed to have the consumer’s trust but won’t answer questions, lies to your face, bullies you, and destroys your home with no consequences.

The low premiums lure you in. Just don’t file a claim. It took 19 days to get a response from Safeco after a huge tree fell on my home. Good thing my home was made of old, hard walnut wood, else I might be dead now.

Finally, an adjuster responded, sent an appraiser to assess the damage. He couldn’t make a full assessment because he could not see the inner workings of the house, the beams and such, so he called for an engineer. The engineer assessed the damages as being confined to my bedroom. No other rooms were involved and no damage was done to my workshop at the rear of the property. The amount needed to repair my home was set at $48K, detailed in a dated engineering report (Donan Engineering) with an expiry date of March 2018.

How did my bill come to $430K? Come back tomorrow and I’ll tell you.

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.