AS

NOTES: CLAIMS ADJUSTER POWER, CONSUMER VULNERABILITY

The success or failure of your claim rides on the integrity of your insurance claims adjuster. He has ultimate power over your claim. He can do whatever he likes with your claim, including restricting who can see your claim file and interact with you, the policyholder.

If you live in California and you have filed either a property or auto claim in the last seven (7) years, you should check that your claims are recorded accurately in the databases that retain your claim history as received from your insurance company Claims department. In California, the databases are Verisk A- Plus and Lexis-Nexis. Of the two, Lexis-Nexis seems to carry more weight.

Verisk Consumer Inquiry Center

1000 Bishops Gate Blvd, Ste 300 PO Box 5404 Mt Laurel, NJ 08054-5404 1-800-709-8842

Lexis-Nexis Consumer Center PO Box 105108 Atlanta GA 30348-5108 1-888-497-0011

What you don’t know can hurt you, and the Department of Insurance will not help you. You will be forced to seek legal assistance to get the situation righted should you discover anything wrong. Why the consumer is required to spend money to prove the company “trusted” to insure your home has committed fraud is absurd. The fact that the Department of Insurance will not help consumers makes them appear complicit.

Beware of Safeco/Liberty Mutual Insurance. Those who have suffered losses in the recent fires should be extremely aware of their vulnerable state where insurance companies are concerned.

AS

What Every Potential Claim Filer Should Know About Safeco Insurance and Protech Construction’s Vince Paglia

Beloved,

I sit here, sweltering in preparation for 3 days of over 100 degree heat, in an unfinished rectangular coffin, built by Vince Paglia, paid for by Kent Stiles of Safeco Insurance. I’m writing this so that if I perish in this heat, someone will know who caused my death.

This nightmare started in 2016, when I filed a legitimate claim on my homeowner insurance. A tree limb fell on my bedroom, cracking it open at the seams. My bedroom was the only room damaged in the incident, that occurred on Earth Day that year.

It took 19 days for Safeco to respond to my claim. I started with adjuster Trevor Haaswyk, who eventually sent an engineer and adjuster to assess the damage. The engineer’s report stated that there was only damage to my bedroom and that my workshop had suffered superficial damage. The damage could be cleared up with $48,000. Two checks were cut for that amount and I thought the matter concluded.

Then, Kent Stiles took over as my adjuster. He sent Vince Paglia and Nicole Mazandarani to my home to discuss repairs with me. Paglia, president of Protech Construction, was misrepresented as a preferred vendor by Mazandarani. She told me that I would receive best quality service, guarantees of the work, and that the work would be supervised every step of the way. She also lied to me and told me that the contractor I was considering was not to be trusted, that I should use Safeco’s Innovation program for best results. Having never filed a claim like this before, I took her at her word given she represented the insurance company to which I paid premiums for 5 years.

Never trust the claims adjuster. Never. What they don’t tell you is claims adjusters and contractors, in California, engage in a confidential relationship that leaves the consumer completely out of the loop if that is what they want to do. They can engage in all sorts of criminal activity and never need to disclose any of what they are doing to the policy holder. While insurance companies, again in California, are required by law to provide the consumer with a complete copy of their claim file, those documents can be falsified and made to totally disappear from the view of anyone other than the adjuster handling the claim.

It took three years of research to discover that Stiles changed the identifying number of my claim file. Claims are recorded in databases that maintain your history for seven years. If you look for insurance, the companies will search your history in the claim files and charge you accordingly should they find negative information. My damage was caused by high winds that caused the tree limb to break and fall on my house. Stiles reported the damage was caused by water. Water damage will get you charged an arm. leg, and ovary for coverage. Additionally, there were three more claims listed in my history when I had only filed the one.

Stiles, Mazandarani, and Paglia are directly responsible for my living in an unfinished, unsafe property. The entire claims department at Safeco are indirectly responsible because they have been covering up the fraud that has been committed. Also responsible is the Department of Insurance agent, John Mort, and the ombudsman, Therese Gallagher, who also covered for Safeco and told me to go find an attorney to try and prove the fraud.

Consumers should not have to rely on agencies that have been corrupted to report corruption to the State’s Attorney General and District Attorney. These entities will shut the consumer down, relying on the Department of Insurance and the Contractors State License Board to report malfeasance. They will not take the consumer’s word for anything.

In this matter, the CSLB has been the only agency to help somewhat. They were able to force Paglia to pay $20,000, but this payment was based on accepting this structure as appropriately built. This box did pass inspection, but I’m only finding out now that Paglia submitted different plans to Los Angeles County Public Works to get permits for a complete rebuild of my home. Paglia’s name is listed as the owner of my property on the demolition receipts, which were falsified as he stated there was a concrete foundation in existence when there was not. He went on vacation in Croatia after filing thses documents because for some strange reason Public Works does not maintain records of rebuilds of residential property. Those documents are discarded after 6 months, but commercial property building information is retained indefinitely. Paglia knew how things worked, but I didn’t.

I was packed out of my house for 18 months when the original contract I signed said I would be out for only 6. Because only the adjuster handling the claim saw any paperwork regarding my claim, it did no good for me to contact the Department of Insurance to initiate a complaint about how the claim was being handled. I had no idea that Stiles was orchestrating the destruction of my home, and submitted his name as the person to contact about the claim. I thought the field adjuster, Mazandarani, was the one doing crooked things. But it was Stiles. He has the power of the purse. He has the power to cut checks, and he cut big ones for himself and Paglia.

My claim went from $48,000 to $430,000. I never saw the checks cut for Paglia until this year. I never signed them. This exhorbitant cost, larger than the terms of my insurance policy, is listed in my claims history. I have attempted to have all the claims removed, but Stiles is in complete control of my file and none of the over 30 people I have spoken to at Safeco have once taken any notice of what I say is happening to me.

I am certain that mine is not the first time this fraud scheme has been run by Stiles or Paglia. There are too many people involved who have stalled and covered for the insurance company. From Public Works to the Department of Insurance to the Contractors State License Board, people are covering for Safeco and Vince Paglia. Liberty Mutual has thrown an awful lot of money around, so much that there is not an attorney in the state who will take my case. Believe me, Beloved, I have been searching for help for the past three years. No one will help the consumer, not even Merlin Law Firm, specialists in this sort of case.

If you have Safeco Insurance, get rid of it before it is too late. Never have any contractor work performed by Protech Construction, owned by Vincent Paglia.

If I perish in the heat, please, make certain to bring this missive to the attention of Governor Newsom, Mr. Lara, the AG, and the DA. I have contacted all of them over the past year and either received no response or was rebuffed.

Peace, Beloved, and may you never suffer at the hands of agencies you are supposed to trust, agencies that are should have a fiduciary responsibility to you.

Bad Faith · Building Contractor Scam · Criminal Organizations · Economic Anger · Homeownership · Insurance Claims · Paralegal Studies · trauma

Trevor Haaswyk

Trevor Haaswyk was the Safeco adjuster who responded to my claim 19 days after I logged it.

He sent an engineer here to assess the damage. Donan’s engineer’s report said there was no structural damage to my storage unit, nor was there any damage to any other part of the house, save the bedroom.

Proof, I did not imagine Trevor Haaswyk.

Proof, Kent Stiles and Vince Paglia conspired to defraud me.

Proof, Kent Stiles signed off on and “paid” for the destruction of my home.

AS

Ruminatin’

So, it’s like, my insurance company ripped me off. I contacted two CEOs about it, and the issue just loops right back around to the criminals perpetratin’ the fraud. At first, I was disappointed. Now, I’m mad as hell and I’m not going to take it any more!

Olivia Casarez is a representative of the Presidential Service Team who openly mocked me as I was trying to get what was supposed to be assistance with getting my claim properly handled.

For my life, I cannot understand this blatant disregard for the rule of law, the codes of professional ethics I know are mandatory for licensed insurance personnel. There is no concern for the human lives associated with the payments Safeco rakes in. Tyler Asher, CEO of Safeco didn’t respond at all when I contacted him. I got a letter from Olivia Casarez in answer to my inquiry sent to the Liberty Mutual CEO, David H. Long. She was letting me know that no matter who I contacted, either she or Kent Stiles would shut out and down all of my objections to being robbed.

That wunderkind, Kent Stiles. He runs the Claims Department, overruling his own manager. It is astonishing the number of people aware of this fraud, and they continue to cover it up.  I believe I have spoken to more than 20 people within Safeco about this matter. To a one, they have opted to cover up. I think corruption is widespread and of duration.

Olivia Casarez openly mocked me for suggesting an audit be conducted of Kent Stiles’ claim files. I think there may be a discernible pattern to his theft. If this scam has been run with the contractor before, I think I know how it was done.

I am so angry.

To get paid, a contractor must submit a certificate of occupancy to the insurance provider. Receipt of this certificate signals the provider to pay out. I think this was done in my case. The contractor, Vince Paglia, president of Protech Construction, personally oversaw the  demolition of my home in early 2017. He then submitted the certificate, dated March 2017, to Kent Stiles, the payout adjuster for Safeco. The insurance company hides behind the fact that they are solely responsible for paying out. Any problems with your work, take it up with the contractor. 

Vince Paglia then assigned the rebuild to Steve Willsey of Willsey Construction, but who presented a card that indicated he worked for Protech. It seemed odd to me that Willsey never had plans for a rebuild, but worked from plans that clearly said they were drawn for repair work.

There was a thing, a major thing. My home was demo’d, but the insurance paperwork never stated my home was rebuilt for the duration of the time the claim was open. The department that works out your payments, figures out your premium, was never notified that the house had been rebuilt. When I notified them of the fact, they sent someone out to verify the rebuild and measure the square footage. This is when I learned the house was 8 sq ft smaller than it had been.

I didn’t learn about the tripling of my property taxes until a couple of months ago. I had to pay for 2017 and 2018. My property taxes for the entire year were $622. My first installment is now $988. That is more than my monthly pittance from social security. What once was affordable is now unaffordable, through the fault of the contractor and insurance company. I am being beggared while Kent Stiles, Olivia Casarez, Vince Paglia, Nahal Mazandarani et al. mock me all the way to their respective banks.

Only in America?


AS · Bad Faith · Criminal Organizations · Disaster · Homeownership · housing · Insurance · Insurance Claims

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 . . ..