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With Little Commentary

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.

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

Inadequate Prosecution

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.

Building Contractor Scam · Civil Court · Criminal Organizations · fraud · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · small claims court

Paralegal Notes: Resources

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.

bankruptcy · Class · Homeless People · Homeownership · housing · Law · Paralegal Studies · social observation · Sociology · trauma

This Is Not Rhetorical

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.

Bad Faith · Building Contractor Scam · Criminal Organizations · fraud · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · power · racism · trauma

Open Letter to Tyler Asher, President, Safeco Insurance

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.

Sincerely,

VJ Hamilton

OX5953267

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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.