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 · Class · Community · ethnography · excess death · Homeless People · racism · trauma · white supremacy

Causes of Black Excess Death

A friend sent me a video in Messenger that detailed many of the ways you can end up dead in America if you happen to have been born Black. It stung me. It is the 21st C. and we are still with this white supremacist bullshit.

The video made me think about Emmett, that and an article I read by Dr. GS Potter, who seems to be a phantom, about why we can’t automatically believe all women when they cry sexual assault victim. I thought about the parallels I drew between Emmett Till and Tom Robinson in To Kill a Mockingbird. Both dead as a result of doing something ordinary, both dead because of the believed white woman’s word.

When I feel more composed I will figure out how to embed the video. I want to have the ability to watch it several times. Emmett Till died as a result of purchasing penny bubble gum. Tom Robinson ended up convicted and dead because he offered kindness to a poor white girl, abused by her father and sneered at by the townies. Philando Castile hurts all the more because he was riding in his girlfriend’s car with a young girl child in the back seat, because he’s dead and mother and daughter are traumatized how many ways ’til Sunday?

Doing mundane things can get you killed in America if you are visibly Black. Sandra Bland is dead because she allegedly didn’t signal a turn.

What the fuck is this?

HOMELESS PEOPLE. IT IS A VIOLATION OF HUMAN RIGHTS TO TREAT HOMELESS PEOPLE THE WAYS WE DO. DENIAL OF A PLACE TO RELIEVE ONE’S SELF, DENIAL OF WATER, VIOLATIONS OF HUMAN RIGHTS.

Why do we have people living on the streets in large numbers in America and that shit’s okay? We officially have pavement dwellers like those I observed in parts of the Indian subcontinent that were, at the time, suffering large in-migrations of rural people into the cities, looking for work. They lived in the garbage dumps. In America, the area surrounding the homeless is turned into a dump because of lack of access to the basics: a place to cook, a place to squat it out later, a place to lay your head.

Seems so simple, the fix to this. So many rich politicians could afford to house all the homeless people on their many properties. Why do we, the people, allow these conditions affecting people just like you or me, to persist? Are we truly anesthetized? Are we truly that unfeeling? Is there no longer any creature recognition going on?

What the fuck is really going on, people?

In 1955 Money, Mississippi, Black people had a greater chance of being lynched, and of having the lynchers get off because of the low prosecution rates for violent crimes against Blacks, but in support of white female purity and white male superiority. Carolyn Bryant only recently confessed that she lied. Her believed lies got a 14 year old boy tortured, mutilated, slaughtered.

Hikkikomori looking better and better e’er day.