Fraud? Scam? Definitely Theft

I cannot believe what I am learning from documentation sent to me from Safeco. At some unspecified recent date, Safeco paid Protech Construction more than $80K for work allegedly completed at my home. The check was sent to the contractor as were three others, but I never signed them.

There were three prior checks disbursed with my name on them and I had to sign those checks.

Still processing . . ..

Is This Fraud, Larceny, or What?

 

Just made 63. The struggle is real.

Safeco, Liberty Mutual has provided the claim file. I have found $28-30K of discrepancies. Safeco has foisted the burden to the contractor, who was brought into the deal by the Safeco adjuster.

I asked the adjuster about the remaining claim funds in October and she refused to answer my question, went incommunicado for two months. When she did surface, it was indirectly, through my housing provider, to cancel my housing, telling me my house was fit for move-in.

It wasn’t.

Got a copy of my claim file. Says I bought hardwood oak floors that were sanded and stained and non-dust sanded, too. Trouble is I can’t find those floors in this house. These are laminate if I’m a day old. Says I have TWO infrared, vent-free heaters. There is a gas monstrosity in the living room. Says the porch pillars have been paid for, but I don’t have a porch any more.

All totaled about $30K in questionable charges. From missing windows, shutters, a back door, hardwood floors, bathroom mirrors, and kitchen cabinetry, to outright lies about what exists in this house, this is pretty shocking shit to me.

The insurance company is quick to advise taking the matter up with the contractor, but the adjuster brought the contractor with her. They are in this together. This isn’t the first time, either, I’d wager.

Who does their jobs anymore?

Two months ago I contacted an attorney to see about suing my bk attorney for interfering with my case and allowing Beal Bank to steal money from me they were not owed. I was referred to an attorney who is reputed to be quite creative, and I need someone with imagination to help me because more and more entities keep piling on in abusing me.

I got the paralegal from I don’t do my job. For two months I got nothing but runaround from him. When I called the office today, I learned he no longer works there, so I have to start all over again. This time, I was told, the lawyer I was referred to will call me back.

Now, I need an attorney who deals in insurance company bad faith, because being forced to live in a cold house with no utilities, appliances, or approval from the entity that provides certificates of occupancy seems like mighty bad faith to me. I want someone to feel my wrath.

Safeco Bad Faith, Take Two

After nearly 2 years, after receiving an estimate of 3 months to complete the job of rebuilding my home, Safeco is forcing me into a still incomplete house. They do not respond to any of my significant questions; they continue to act with bad faith.

I had a question about the building code that requires me to have 6 fires sprinklers in an 800 sq ft house. Since 2011, all new construction of residential housing must include fire sprinklers, but the specification of the number of sprinklers remains a mystery. I also wanted to know who is responsible for paying for the damage if said sprinklers malfunction. Have been told my contractor is on the hook. The smoke detector was set off by steam from the shower. The smoke detector and fire  alarm were set off by my turning on the heater before it has been burned out. Any minute now, I expect to be inundated by these sprinklers. This is the most anxiety producing house I have ever been forced to live in. I mean, steam set off the smoke/carbon monoxide alarm. I was told steam would not do that. But it did. I was standing here, in a panic, when it happened. These people specialize in gaslighting.

Safeco Insurance is showing me they are of dubious quality. To stop communicating with a paying customer, in the middle of a claim? To have sent me into an incomplete house, no utilities, no services, no appliances, this is professional insurance company behavior? Rusty Beck, a representative from Safeco who called me to tell me I was lying about having been sent into a house with no utilities by their adjuster, told me such behavior would be grounds for losing a license. Funny, but Kent Stiles, the supervisor to whom my adjuster, Nahal Mazandarani allegedly answers to, would not confirm or deny what the procedure is regarding sending customers into homes that are not ready for occupancy.

Whatever you do, do not insure with Safeco.

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.

SAFECO INSURANCE BAD FAITH

I have to get this down before memory fails because it seems to me that Safeco Insurance is attempting to cover up their bad faith.

After asking my adjuster a question about the funds remaining in my claim and a question about the engineering firm that drew faulty plans, she did not communicate with me for 2.5 months. When I heard from her, indirectly through the temporary housing agency, it was to cancel my housing and tell me my home was ready to move in.

In August 2016, I was given an estimate of three months for completion of the rebuild of my house and storage shed. The plans were drawn by engineers from Powell and Associates. They made a major error when drawing the plans in that they completely missed the orientation of my lot. My lot lays like this: \ \, not straight the way they drew it. Also, they did not account for all of my landscaping, which was purposely planted and cultivated to attract pollinators and to help my asthmatic family breathe.

18 months later, Safeco Insurance is trying to force me into a home that has not been signed off on by the County, that had no utilities on, where none of my appliances have been returned from storage. My adjuster sent me into a property that had an open trench, downed power lines, and mounds of soil in both the front and back yards. There is only one entrance, and to enter required stepping over a palette and a plywood step. And then, she played the victim because I asked if she was on drugs. Her actions indicated to me that she was either mad or on drugs. This is part of her gaslighting routine. All through this claim process, she has either downplayed my concerns, ignored them outright, or told me they were not important. Her victim missive completely forgets to mention she sent me into a home that was not ready. She tried to cover by saying she reinspected the property, after she shut down the project (abandoned it), and discovered there were still things that needed done outside. Inspection should have happened before ending my housing and telling me to move in.

I have no idea who to trust or talk with about this problem that has existed since the beginning of the claims process. I now trust no one associated with this project, save my contractor, who is the literal man in the middle.¬† He is being asked if the house is “livable.” It cannot be livable if there are no appliances and no utilities, yet I am being pressured to move in. Why? Perhaps because we are long past the completion estimate of 3 months.

I feel I have been set up to appear uncooperative. If the claimant is uncooperative, work can be stopped. I think this is what is happening, but I can’t prove it. There is no effort on the part of anyone associated with this claim to own that I was sent into an incomplete house without a certificate of occupancy, without utilities. And when I asked if my adjuster was on drugs, I was told that sort of accusation would not be tolerated. But I am supposed to tolerate the abuse I’ve endured for two years, including the decimation of my landscaping and the ignoring of my complaints that something was wrong with the plans from the very beginning.

This looks and feels like bad faith.

 

Driveway?

See that square underneath the water heater? That is where my big, old-fashioned water heater stood since 1923. If this area had been a driveway, why would the water heater have stood there?

There was never a garage on this property, either. Current code requires covered parking. Had the draftspeople drawn the plans correctly, and had the Safeco adjuster done her job correctly and told them to redraw the plans to correctly reflect the angle at the back of my property, I would not have to continue to correct her notion that there was ever a driveway on this property. Had she demanded correction to the plans, the garage could have been placed in the front of the property, eliminating the need to denude my property. As it currently stands, the garage is too close to the house for any vehicle to be safely driven into the garage, which would only hold a smart car. Note: I do not own a car.

That concrete slab was my patio, accessible through my back door that is no more because no door can open onto a driveway.

As the adjuster continues to oppress me, I have filed a complaint with Adult Protective Services for financial abuse, and will file a complaint with the Insurance Commission bright and early in the new year.