Karen McDonald is a study in measured communication. She makes me want to wear black crepe and send people to jail who really need to go there.
It is beyond irksome that I am not free to speak my truth of what Safeco/Liberty Mutual, Protech Construction, LA County Public Works, Building and Safety Division, and the Department of Insurance have done to me since 2016. All are players in a massive scheme to defraud consumers. Property claim fraud. I feel a need to warn insurance consumers of the danger involved in filing a legitimate claim for damages. You need to be an expert in the relations between insurance claims adjusters and contractors, building and safety codes, and statutes of limitation. You need to be prepared because no one will help you get to the truth of the matter without an attorney. Attorneys won’t help once they know the players involved. You are quite on your own against forces you never even knew could be arrayed against you when you haven’t done a thing wrong.
How is it that my home was demolished without my authorization? Well, the demolition receipts state that Vince Paglia of Protech Construction claimed to be the owner of my property when he applied for whatever he needed to destroy my home. How was he able to do this?
Had to have had the help, guidance, direction of the claims adjuster, Kent Stiles, who is also the money man. Did you know that claims adjusters and contractors can engage in confidential relationships? They can hatch up whatever between themselves and never inform the consumer. Sweet deal, huh?
Then, for this coffin to have passed final inspection indicates another help from a department of the County that has no oversight. Public Works answers to no one, it appears, as they have helped stall my efforts to understand why I am living in squalor, with the flooring crumbling beneath the shower and the bathroom floor. How did this abandoned project pass final inspection, then later have the Certificate of Occupancy and the final inspection rescinded?
I have been told so many lies over the past 4 years by the insurer, contractor, Department of Insurance, and LA County Public Works. I have reported this activity to all I could think of to report it. As no one seems interested, I have begun to feel like I am swimming in the most corrupt sea that exists in state and local agencies and corporations.
Is this thing I’m wrapped up in a scheme to increase property tax revenues? Is it money laundering? Is it racketeering? I do know this is big time white-collar crime and we all know that is never punished in this country.
I have lived in Los Angeles’s second district for my entire life. Our first supervisor, Kenneth Hahn, was the best supervisor we ever had. He handed off to Burke. She must have become corrupt after working with Hahn because things in the district never got better, but declined. Then she handed off to Ridley-Thomas, and the manure really hit fire.
As the complexion of the district began changing from black to brown, services deteriorated more. I would say the district suffered from neglect that was not benign. For example, people who should have known about our water supply appeared to have no knowledge of our water service. This is how those elected to manage our water district were able to run it into the ground, providing the residents with rust-colored water for years.
It is my opinion that all involved are criminals. Vince Paglia is dangerous. He called to threaten me when he was supposed to be telling me when he would pay the judgment awarded me by CSLB. Instead, he told me the contractor he had working on site was dead and I knew that both the insurance company and I had paid him $260K when my original estimate for repair was $48K. Well, I told the insurance company to not pay Paglia, but I was overruled and he was paid anyway.
Did you know California insurance consumers can request a copy of their claim file? I didn’t know until a public adjuster told me. By the way, if you do have to file a claim, get yourself a public adjuster. The insurance adjusters working for the insurance company cannot be trusted to do right by the consumer, particularly when they are able to engage in those confidential relations that leave the consumer uninformed and at their mercy.
I got the first copy of my claim file by requesting it from the person who answered the call. That claim file had one invoice in it for $80K that listed all sorts of materials that did not exist on this site. When I notified the adjuster about this major discrepancy, he told me to file a police report and send him a copy. I did this, and he made them disappear.
As a test, I requested the claim file from Stiles. The second time around I received a large box filled with every email, invoice, exactimate, etc. Then, Stiles made the entire claim disappear, except for on the database that records consumer insurance claim histories. You need to know about those databases. Lexis-Nexis operates the primary database.
I have come to think that Safeco/Liberty Mutual is a shell company. The claims adjusters all know what Stiles is doing. I wrote to the CEO and President to notify them. As there was no response, I guess they don’t exist because I’d investigate charges of embezzlement or money laundering originating from my company, a company consumers are supposed to trust.
I know I’m rambling. It is what happens when I’ve been stifled (bless you Jean Stapleton!) and oppressed by a bully with a purse bigger than mine.
So, let me just drop this on you: if you have homeowner insurance, familiarize yourself with building and safety codes in your area; with statutes of limitation for breach of contract or other malfeasance; find out who the best public adjusters are in your area. If you have Safeco/Liberty Mutual Insurance, find another insurer. Kent Stiles is as dangerous as Vince Paglia. Beware.
I lived in my home more than 60 years.
I have an insurance company generated engineering report that details the condition of my my home and workshop. It was effective from May 2016 through March 2018.
I have demolition reports where my name is not listed as the owner, though I have been the legal owner since close of probate in 2015.
I filed a legitimate homeowner insurance claim, had it insurance company assessed, and settled in 2016.
I have a second insurance company generated cost analysis of the structure and work that replaced my home without my authorization, pre-demolition inspection, or set of approved plans as required by Los Angeles County Public Works.
I have no documentation that supersedes the initial engineering report in effect from May 2016 through March 2018.
I have no documentation of a legal or structural reason for the complete razing of my property. However, I now have the suppressed documentation that the contractor was notified of his failure to complete the project, that the certificate of occupancy had been rescinded about two years ago. This notification was either not sent to the contractor or was sent and ignored.
Where does one report racketeering?
White-collar crime is not prosecuted with any adequacy in this country. Racketeers, money launderers, high-class thieves are allowed to defraud the country; the state, local government, individuals, corporations, everyone is fair game. If caught, at most there is a fine, generally a slap on the wrist. Don’t get caught next time is what that fine says.
I am being sued for defamation by a white-collar criminal who has destroyed my property in collaboration with state and local government agencies and an insurance company. Prior to this shakedown, I was being ripped off by a bank in Texas!
To whom does one report white-collar crime? How many people have to know of the occurrence before taking action to end it?
Corporate totalitarianism is making me very ill.
When all regular avenues of complaint have been used and found inadequate there remains another avenue: Claim for Damages.
Before a state or local governing body can be sued in small claims court, a Claim for Damages must be filed. If the body denies the claim, one can then proceed to small claims court to sue. If the claim is accepted, one must wait for the investigation to be completed. If the outcome of the investigation is unsatisfactory, then suit can be filed.
What banks that received CARES ACT monies own the mortgages and auxiliary agencies that manage the homes and businesses of renters and owners who are looking at eviction and foreclosure?
We need to take action against them. NOW. Billionaires got bailed out. We, the people, are being left high and dry. No one should be put out on the street in a pandemic in winter in America. Not a one. No one should lose what they worked hard to attain because the government shut us down in a pandemic.
We are in pandemic. Where is the government support? Where is the support our taxes should be supporting rather than them financing golfing trips, expensive dinners, lavish ice-cream freezers?
We need to make the banks uncomfortable. We need to make our elected officials uncomfortable. We need to make them pay attention to us and to respond to us right now. Banks got trillions. We are hungry. Elected officials are working at our behest. We are hungry. We are hungry and about to be put out on the street, some of us losing what we worked a lifetime to attain.
We, as a class, need to take action to stall out this eviction crisis in the current context. The people need to stand together. We are the precariat. We are the working poor. We are the middle class. We are those who live paycheck to paycheck. We are those who receive money in exchange for our labor, be it manual or mental. We are the redundant.
We better wake up and take a stand.
Good day, Sir:
I have written to you before about your rogue claims department headed by Kent Stiles, Senior Claim Resolution Specialist II, but you did not respond. As I received a letter from you detailing the cost of my renewed homeowner insurance policy, I thought I should respond before Stiles finds a way to not renew the insurance.
Why would Stiles prevent me from renewing my insurance? Perhaps it is because he is covering his embezzlement (?) or money laundering (?) activities, perpetrated through property claim fraud. Your entire claims department, your Presidential Service Team, as well as a host of managers and other adjusters are involved in this fraud, with knowledge that this is fraud. I have informed them Safeco many times in the past three years of what has happened to my claim. All of the complicit individuals have done nothing. Stiles must be pretty powerful. I asked him if he was the president of the company, but he never answered.
Stiles has made a practice of not answering my questions. Perhaps you will. Does it typically take 19 days to respond to a claim? Is it standard procedure to have an engineering analysis of damages conducted only to abandon that report with no explanation? Is it standard to maintain a claim record in a restricted status for three years, such that no one except the embezzlers have access to the file? Is it customary to force an insurance holder into an unfinished project, with no utilities and none of their personal goods returned to the property? Is it usual for an adjuster to authorize a complete rebuild of a property and then no report it to Underwriting? Is it correct to pay a contractor for goods and services not provided, against the wishes of the insurance holder?
Kent Stiles has done all of these questionable actions. He has destroyed my home of over 60 years, destroyed all of the growth planted for the pollinators, destroyed my privacy, and has attempted to destroy my reputation. I am sure he will find a way to cancel my insurance before it comes due. He couldn’t cancel it presently because I paid my premium in full.
Can you tell me if Protech is a preferred contractor in your Innovations Network? Stiles sent him here with an adjuster named Mazandarani. I thought they came to talk with me about making the repairs to one room of my house as indicated in the engineering report. They gave me a lot of hooey about being a part of the Network, the benefits of using the services of one of your Network contractors, etc. They had me sign a bogus contract for repair, packed me out of my home, and housed me at a distance so I could not easily keep track of what they were doing.
After being out of my home for over 6 months, violating the contract, I filed a complaint with the Department of Insurance. I had to file multiple complaints before one of them was taken up by a man named death, John Mort. Mort never had Stiles answer my questions. He never required him to provide the superseding documentation that said my entire home had to be demolished instead of simply repairing the one room that was damaged. It seems Mort works for Stiles. He closed my complaint without telling me he was doing so. When I contacted him to find out the status of my case, he mocked me and told me good luck trying to prove $430K was not spent on my project. My claim was settled for $48K. I received the checks. However, I never received the checks for this $430K charge that is reported as two different amounts in Lexis-Nexis and Verisk.
Sir, I don’t want to renew my insurance with you, and Stiles will likely make my wants irrelevant as he did when he paid the contractor against my wishes. I cannot get affordable insurance elsewhere because my claim history is loaded up with claims. I only ever filed one claim with Safeco, but there were four claims listed in my history. I was successful in getting changed the cause of damage, which was wind but reported as water by Stile. I was also successful in getting one claim removed. As long as Stiles is the only one providing responses to Lexis-Nexis and Verisk, those lies will remain on my record.
I learned only today that adjusters change the claim numbers on claims so that they can deny renewal. I was issued one claim number in 2016, but that claim number is not included in my claim history. I hate to assume, but I am going to assume that Stiles will prevail this month in finding a way to prevent renewal. Who, then, will take responsibility for this fraud, for the destruction of my property, for the ruining of my life?
I hope to hear from you or a credible representative soon. And thank you for writing me about my insurance renewal.