AS · Bad Faith · Building Contractor Scam · Civil Court · Criminal Organizations · Disaster · fraud · Homeownership · Insurance · Insurance Claims · Insurance Scam · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · racism · research · social observation · Sociology · trauma

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.

aging · Craft · death · friendship · observations · Religion · Sexualities · social observation

Type, Don’t Write – Take 2

The wind is high. Already, several tree limbs have hit the house. The first one was slender, showed signs of termites, hollow inside, ripe for being blown down.

Anxiety. What good would it do to call the insurance company? The tree should have been removed instead of my home. What good would it do to call the contractor who botched this job royally? I hope he used my claim funds for something worthwhile, like curing HIV/AIDS or the Oval Occupier.

Women are under attack, but they have always been under attack. We are not counted among those created equal. It is no accident that only men are mentioned. Just like it is no accident that God is allegedly a male. That’s sex. I never thought God had a sex. What need of sex has God? When the myth got started that Jesus was God, I lost all interest in Christian religions. I know they’re gonna be struck by something and I don’t want to get smote.

The Old Testament God was angry, jealous, would tear shit up, or inflict horrors on pretty innocent people. At least, I understand this God. He’s petty.

With the New Testament we throw out the petty God and claim Jesus is God and his son. That’s some hellified double relationship. God made a baby who was Himself. A woman was used.

Women constantly get used. I’m ’bout fed up with that. But women find it difficult to stand together. Wasn’t always this way, but it seems to be the case today. Maybe it’s generational. Women were in competition for men, so they were bitchy to one another. Let a woman get a man and she will abandon her women friends in a combination New York/LA minute. Cisness is death to women friendships.

My best friends were always lavender ladies. They know how to party. They know how to be quiet and comfortable together. They know how to be friends. I wish everyone was multisexual, especially the Christians.

Why do Christians have so much interest in other folks’ naughty bits? Why are they always trying to make women have babies they can’t care for? Why don’t they have as much care for the living as they do for the “pre-born”? I’d like to see a 6 week foetus survive on its own, no machines, nada. Just pretend it is born.

What happened to procreation being a job for two? If the women are being penalized for getting pregnant, why aren’t the men who impregnated them getting some sort of punishment? Punitive. That’s what Christians are. They are sadistic and mean.

Of course, there are sadistic and mean people everywhere in America. They exist in every religion, every ethnicity, every age group, every sex. But Christians, maybe evangelical Christians stand out for their love of death. They would rather see you dead than not believe the way they do.

I don’t know about this type, don’t write thing. I get to saying stuff I think but don’t say. I don’t like confrontation. I don’t like hurting other people. However, there is more room out than in. So, there you go.

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.

Community · ethnography · Language · observations · power · research · social observation · Sociology · trauma

I Don’t See Color

Here’s a phrase that sincerely chaps my ass. What if the police ask you to describe me? Whachugonsay?

Discovered my disgust with this statement after getting into a discussion about who can and can’t say nigger. We concluded with the thought that anyone can say anything (conditional) because this is a country that constitutionally guarantees freedom of speech. I added that saying anything means being ready and able to take the consequences of those utterances.

See, you can’t say nigger to everyone. I don’t care how you spell it, inflect it, think it’s cute or a term of endearment, you can’t say that to everyone. Some folks have a reflexive action to being called nigger. They will bust you in the mouth, with love, ’cause they ain’t having it. I think I am one of those people.

Nigger is a slur, an ethnophaulism. How’d you like it if I walked up to you and called you my Dago, my Wop, my Mick, my Chink, my Gook, my Buddhahead, my Guinea, my Spic, my Kike, (recent) my Beaner? Does it grate a little? If not, do you know someone who might not share your attitude?

It is difficult to find a slur for whites that carries the same punch as nigger. By becoming white, those ethnics who look more like the dominant group eventually became white. Hunky or honky no longer packed a punch. Even Jews thought, and think, they were white. It only takes a second to be disabused of that notion when faced with real crackers who think the kikes are out to replace them.

We are all color struck. We are overly concerned with the color of another’s skin because to be anything other than a variation of pink is to be diminished in the world. We don’t talk about slavery. We don’t talk about Jim Crow. We don’t talk about the Trail of Tears. We don’t talk about segregation, an active factor in our lives today. Why are we all color struck, especially those who come here from other countries where there may or may not be a racial history of torture and abuse? Loss of cultural and historical memory? Loss of self-awareness? Loss of our humanity? For certain, it is because we have been taught to be conscious of color, particularly for purposes of differentiation and separation.

We need to speak to one another in the way we wish to be addressed. Don’t come @ me with your nigger speak. I really will bust you in your mouth, with love, and dare you to call the police. Since you don’t see color, you won’t be able to give a credible description and I will go on my way, hoping I taught you something of value.

AS · Bad Faith · Community · Health and wellness · observations · social observation · trauma

What is Wrong with US?

Are we really all racists? Are we all irresponsible? Are we all trying to die? From opioids to laundry pods, are we really this stupid?

I can’t watch the news unless it comes from someplace outside of America. I am sick of being exposed, on the daily, to the lies, misdirection, and hatred coming from the top. I don’t want to see that ugly man’s face, but it is plastered everywhere. I can’t use social media because he is everywhere there. He gets way too much publicity. Is this all a ratings race? Who is winning because it certainly is not the public, who is exposed to “information” we cannot trust the truth of, nor can we believe.

An orange ass, who has done nothing in his life but lie and cheat, has no right to be in office. He has no right to expose me to his ignorance.

Is money the only thing that matters in this country? Being stupid certainly seems to be the movida of the hour. Eating laundry pods? How are people being raised nowadays? Where is the sense?

My son tells me that people now have pet children. They have a child, children, but fail to parent them. Single mothers look for mates, children in tow, rather than parenting the children presently in the world. Children have smartphones and tablets to babysit them before they can talk. No wonder they are sexting at age 8. What happened to childhood? What happened to responsible parenting?

The airways are full of the lowest of the low in terms of showing us what behavior is extant. Incest, hatred, murder, bigotry, jealousy. Every day we are exposed to the most negative, loathesome, debilitating, demoralizing behavior. Is this what we are expected to become? I have never seen upright behavior spurred by constant exposure to nastiness.

Like the little dog I saw in my twitter feed. He’d been abused all his life and cried when touched gently. It took a handler a while to calm the poor animal, but she broke through by showing patience, gentleness, kindness. Eventually the wee beastie stopped crying, relaxed and was able to begin responding in kind. It didn’t take long, but exposure to something other than the abuse he’d experienced was required for him to make a change.

I suspect our media is attempting to turn us all into mindless drones. Thoughtless, without empathy, stupid. I don’t like thinking this way, but I am continuously shown this behavior, encounter this behavior in the world, where I know I cannot trust anyone’s word, where I expect the worst and always receive it.

I wasn’t always like this. I was once an optimist. My son says I still live in fantasyland because I want to believe in people. It is getting more difficult to stay in fantasyland, though. I have been robbed, cheated, lied to more often in the past two years than at any time in my life. Confronted with the unending hubris of humankind, I am stunned by how far we seem to have fallen in the US.

Completely distressed.

aging · AS · Class · Criminal Organizations · News and politics · observations · power · social observation · trauma

Why I Never Supported HRC

She stood by her man after he disrespected her, their daughter, and the nation. She stayed for the power. That she continues to stand by him in the current climate disturbs me.

She labeled a generation of young people predators, superpredators. Most of those young people were Black and Latinx.

She disrespected her husband’s accusers, did not believe them, implied they lied.

She is a lawyer.

She didn’t fight Obama for the nomination, just handed it over.

She didn’t fight Trump over this rigged election, just closed her mouth, wrote a book, and rakes in the cash.

She is an elite corporatist.

Her DNC is corrupt.

My position is not popular, particularly among this wave of feminists who seem to want to be better men. Nevertheless, for the above reasons, and maybe a few more that I have not let surface, I have never been a supporter of HRC. I wish her well, but I got nothing else for her or her rabid supporters.