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The Case of the Changed Claim Number

Kent Stiles, adjuster for Safeco/Liberty Mutual Insurance, changed the claim number of the claim I filed on 22 April 2016. If you’ve followed my blog, you know I have been submitting descriptions of my first-time consumer experience of submitting a homeowner insurance claim with Safeco Insurance.

Kent Stiles and Nahal Mazandarani changed a settled $48,000 claim into one for more than $430,000, though I am certain much more money than this has been expropriated. The scam is too widespread, too longlasting, involves too many players for the sums recorded on paper to properly compensate them all.

After figuring out Mazandarani and Stiles were conning me, I asked Mazandarani if she was on drugs. She had us move into what I described at the time as an “abandoned” project. This same language is used in the citation issued the contractor, Vince Paglia dba Protech, by the Contractors State License Board. Mazandarani took extreme umbrage to my suggestion that she must be out of her mind if I was supposed to move into a building with an open trench in my back yard and a pallet serving as the step into the only point of ingress or egress without resorting to a window. I spoke with Stiles about this; he claimed to be her supervisor. I may have suggested to both of them that I would whip Mazandarani’s ass if she showed her face ’round me ever again in life. Hence, all subsequent interactions have been with Kent Stiles.

I patiently waited for the Department of Insurance agent, John Mort, to help me get answers to my questions about the irregular ways my claim has been handled. Little did I know John Mort was working for Kent Stiles even though the Department of Insurance is supposed to be looking out for consumers. Kent Stiles has a very long reach is what I’ve learned in this 3.5 year homeowner claim experience. John Mort had to have been aware of the change in claim number; homeowner claim history is recorded in external databases for at least seven years. The claim number for the claim I filed 22 April 2016 and for which I possess a physical claim file, has been changed. The new number is something I have never seen before. For the past 3.5 years it has listed the cause of loss as water when the actual cause was wind, like those blowing fire now. The tree that lost the limb that fell on my bedroom still stands and sways in the high winds, but Kent Stiles paid for project, that now adds a rescinded Certificate of Occupancy to its faults. Recently, through the dispute process with one of the databases, Kent Stiles reversed himself, changed the cause to wind, but holding fast to the more than $430K charged against my insurance policy, charged against the consumer, charged against this unfamiliar- to – me claim number.

Think the IRS needs to know about this?

No matter how many times I told Kent Stiles something was wrong, he either ignored me or told me a lie. No matter how many people I spoke to at Safeco/Liberty Mutual, no one batted an eye at what Kent Stiles was doing and continues to do to me, my claim. If I spoke to one person, from supervisors, managers, the Presidential Service Team, I spoke to twenty and er’rbody was ultimately working for Kent Stiles.

Can anybody tell me why Kent Stiles would change my claim number; why John Mort of the Department of Insurance, regulatory body, would let me waste two years waiting for his intervention in helping me get, what I thought at the time were, documents relevant to my claim? The Stall is a major part of this scam. Time must elapse so that the unassuming consumer won’t catch wise until the claims history disappears from view.

This seems like embezzlement to me and fraud at my expense, conducted by an institution I am forced to use to protect my property. I question the impartiality of the regulatory body, the Department of Insurance. I question how Safeco/Liberty Mutual is allowed to stay in the insurance business, except I’ve always thought insurance is a racket.

Bad Faith · Criminal Organizations · Homeownership · housing · Insurance · Insurance Claims · Insurance Scam · Probate Housing Creditors Mortgages Mortgage Fraud

Protech Construction’s Shoddy Work: Lamentation

Do any of you remember that choreopoem by Ntozake Shange that starts Somebody almost walked off with all of my stuff? If you’re not familiar, go read For Colored Girls who have Considered Suicide/ When the Rainbow is Enuf.

My home of 63 years was stolen from me by Safeco Insurance and Protech Construction. They conspired to tear down my home when the only damage was to my bedroom; cracked open at the seams when a huge tree limb laid down on the roof in high winds. They tore down my workshop, which had no damage. They destroyed all of my pollinator plants; I had grown a honeysuckle blind on my side fence, had roses, rosemary, lavender, night-blooming jasmine, cacti and succulents, also night-blooming. I had a fig tree, a lemon tree, Christ’s Thorn. So much here for human and insect enjoyment, now completely gone.

This house is not a house. It is a poorly constructed structure that doesn’t have a front step that passes the Building Code. I had a front porch; now there is a slab. Rain comes into the front door because there is no longer any cover. I have to get drenched to come into my front door because it is open to the elements now, nothing like I had. I was training the bougainvillea to create an arch across my front; they killed half of the archway. Protech’s builder even stole all of my heavy duty steel fencing, my steel doors, my window bars. I do not have a back door, sufficient windows in my bedroom, no closet and none of the shelving I had was replaced. This structure does not meet Building Code standards, yet Kent Stiles signed and paid off Vince Paglia for destroying my home, and he did not report any of this to Underwriting, as he should.

I had copper piping; it was replaced with PVC. I had a heater in my bathroom ceiling; it was not replaced. I had recessed lighting in my living room; it was replaced with fire sprinklers, something I didn’t have before and for which I have no instruction manuals. I have no idea how to maintain them and Protech did not provide me with any instructions.

The entire time Protech worked on this shack, they lied to me about what I could expect. They didn’t even get plans to rebuild the house even though I repeatedly asked that this be done. I was told not to worry. I was told there would be crawl space access available underneath my dryer. There is not. My attic access was not replaced. The roof is not vented, though the roof of my home was vented. In fact, my home was hand built of hard wood. I know the man who built my home. He gave me my first nickname, Sputnik, because I would circle around him like a satellite whenever he came to do maintenance. Mr. Elmer Lambert was a very tall, broad Jehovah’s Witness. His wife, Ima, always gave me fruit as a treat, never candy. They were both gentle, kind people who taught me to appreciate their religion. JWs are smart and we can thank them for helping develop surgeries where transfusion is not necessary. I like reading their publications and still do to this day because of Mr. and Mrs. Lambert.

I had the cutest built-in cabinets in my kitchen. I could fit all of my “company” dishes, glassware and special cooking tools in that built-in. Needless to say, it no longer exists and most of my cookware is now in the garage, all that isn’t sitting on the side and at the back of this structure. Guess it doesn’t much matter as my stove is still not connected to the gas line because there are no cut-off valves installed. Just a capped pipe. The shelves are too small to hold my klediments, literally. My home measured 800 sq feet. This structure measures about 618 sq feet. Safeco sent an agent to measure the space after I reported to them that my home had been rebuilt and replaced with junk. My property lost value, but the property taxes tripled. My net worth took a hit, too. My home was and is my owned free and clear asset. Now, it is worth less, of poor construction, and I don’t trust it could stand up to a treefall like my 1923 Rambler Custom.

I have to thank Protech president Vince Paglia and his wife and, I believe, owner of the company, Kimm Paglia; his builder, Steve Willsey of Willsey Construction; and, of course, Kent Stiles of Safeco/Liberty Mutual for this destruction. How any of them are still in business, how they still possess licenses is a genuine mystery to me. Insurance companies owe a fiduciary responsibility to their customers. Safeco/Liberty Mutual has failed grossly in meeting their responsibility.

As I have said in the past, if you have Safeco or Liberty Mutual as your insurance provider, find another, fast. If you have a need for a contractor, do not contact Protech. You will regret it for the rest of your life if you use their services.

Yes, someone did walk off with almost all of my stuff. They took the home I lived in since I was 6 months old. They took the home in which I was midwife to my mother’s death. They took the home in which I and my mom raised my son. I had to give away much of my stuff to charity because I could not put it into the structure. The rest stands outside under tarps. It would decide to rain as soon as I have no place to store my things. My greatest loss is my library. Built over a lifetime and composed of a variety of texts, many of the books are in the garage, but I couldn’t open all 800 boxes that came back from storage, so some books were not located until after the rains had done their damage.

My library and my lemon tree…someone must pay for those two things if for nothing else. My mother planted the lemon tree to commemorate my son’s birth. It did not bear fruit until he was 19, in the same year as mom’s death. She did get to see that tree bear fruit and her grandson is a wonderful young man now. Protech cut down my lemon tree, with fruit on it, but left the tree hazard that started this entire fiasco. They are going to pay to have that removed, too.

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.

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

Gaslighting Pays: SAFECO/PROTECH SCAM

The independent inspector submitted a report to Safeco that was over 23 pages long. They came back with their position that I was only owed $6500 and that I could probably get that money from Protech if I signed a release.

No mention of the missing warranties. No mention of the fact that there are code violations that Protech is responsible for creating. No noting of the fact that I reported incomplete and faulty workmanship; Safeco’s Kent Stiles paid Protech in a hurry from an estimate that was later swapped for another equally inaccurate version that was given to the independent inspector.

In all this time (2 years), shouldn’t there be a final bill, final invoice? Nothing final, prices changing. No warranties, no permits, no instruction manuals especially for the fire sprinklers. The house is torquing. Every day there is another glitch showing.

Neither Safeco nor Protech are trustworthy companies.

BEWARE!