Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · fraud · Homeownership · Insurance Claims · Insurance Scam · Law · Paralegal Studies

Silencing or Censorship

It is beyond irksome that I am not free to speak my truth of what Safeco/Liberty Mutual, Protech Construction, LA County Public Works, Building and Safety Division, and the Department of Insurance have done to me since 2016. All are players in a massive scheme to defraud consumers. Property claim fraud. I feel a need to warn insurance consumers of the danger involved in filing a legitimate claim for damages. You need to be an expert in the relations between insurance claims adjusters and contractors, building and safety codes, and statutes of limitation. You need to be prepared because no one will help you get to the truth of the matter without an attorney. Attorneys won’t help once they know the players involved. You are quite on your own against forces you never even knew could be arrayed against you when you haven’t done a thing wrong.

How is it that my home was demolished without my authorization? Well, the demolition receipts state that Vince Paglia of Protech Construction claimed to be the owner of my property when he applied for whatever he needed to destroy my home. How was he able to do this?

Had to have had the help, guidance, direction of the claims adjuster, Kent Stiles, who is also the money man. Did you know that claims adjusters and contractors can engage in confidential relationships? They can hatch up whatever between themselves and never inform the consumer. Sweet deal, huh?

Then, for this coffin to have passed final inspection indicates another help from a department of the County that has no oversight. Public Works answers to no one, it appears, as they have helped stall my efforts to understand why I am living in squalor, with the flooring crumbling beneath the shower and the bathroom floor. How did this abandoned project pass final inspection, then later have the Certificate of Occupancy and the final inspection rescinded?

I have been told so many lies over the past 4 years by the insurer, contractor, Department of Insurance, and LA County Public Works. I have reported this activity to all I could think of to report it. As no one seems interested, I have begun to feel like I am swimming in the most corrupt sea that exists in state and local agencies and corporations.

Is this thing I’m wrapped up in a scheme to increase property tax revenues? Is it money laundering? Is it racketeering? I do know this is big time white-collar crime and we all know that is never punished in this country.

I have lived in Los Angeles’s second district for my entire life. Our first supervisor, Kenneth Hahn, was the best supervisor we ever had. He handed off to Burke. She must have become corrupt after working with Hahn because things in the district never got better, but declined. Then she handed off to Ridley-Thomas, and the manure really hit fire.

As the complexion of the district began changing from black to brown, services deteriorated more. I would say the district suffered from neglect that was not benign. For example, people who should have known about our water supply appeared to have no knowledge of our water service. This is how those elected to manage our water district were able to run it into the ground, providing the residents with rust-colored water for years.

It is my opinion that all involved are criminals. Vince Paglia is dangerous. He called to threaten me when he was supposed to be telling me when he would pay the judgment awarded me by CSLB. Instead, he told me the contractor he had working on site was dead and I knew that both the insurance company and I had paid him $260K when my original estimate for repair was $48K. Well, I told the insurance company to not pay Paglia, but I was overruled and he was paid anyway.

Did you know California insurance consumers can request a copy of their claim file? I didn’t know until a public adjuster told me. By the way, if you do have to file a claim, get yourself a public adjuster. The insurance adjusters working for the insurance company cannot be trusted to do right by the consumer, particularly when they are able to engage in those confidential relations that leave the consumer uninformed and at their mercy.

I got the first copy of my claim file by requesting it from the person who answered the call. That claim file had one invoice in it for $80K that listed all sorts of materials that did not exist on this site. When I notified the adjuster about this major discrepancy, he told me to file a police report and send him a copy. I did this, and he made them disappear.

As a test, I requested the claim file from Stiles. The second time around I received a large box filled with every email, invoice, exactimate, etc. Then, Stiles made the entire claim disappear, except for on the database that records consumer insurance claim histories. You need to know about those databases. Lexis-Nexis operates the primary database.

I have come to think that Safeco/Liberty Mutual is a shell company. The claims adjusters all know what Stiles is doing. I wrote to the CEO and President to notify them. As there was no response, I guess they don’t exist because I’d investigate charges of embezzlement or money laundering originating from my company, a company consumers are supposed to trust.

I know I’m rambling. It is what happens when I’ve been stifled (bless you Jean Stapleton!) and oppressed by a bully with a purse bigger than mine.

So, let me just drop this on you: if you have homeowner insurance, familiarize yourself with building and safety codes in your area; with statutes of limitation for breach of contract or other malfeasance; find out who the best public adjusters are in your area. If you have Safeco/Liberty Mutual Insurance, find another insurer. Kent Stiles is as dangerous as Vince Paglia. Beware.

Building Contractor Scam · Civil Court · Criminal Organizations · fraud · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies

Inadequate Prosecution

White-collar crime is not prosecuted with any adequacy in this country. Racketeers, money launderers, high-class thieves are allowed to defraud the country; the state, local government, individuals, corporations, everyone is fair game. If caught, at most there is a fine, generally a slap on the wrist. Don’t get caught next time is what that fine says.

I am being sued for defamation by a white-collar criminal who has destroyed my property in collaboration with state and local government agencies and an insurance company. Prior to this shakedown, I was being ripped off by a bank in Texas!

To whom does one report white-collar crime? How many people have to know of the occurrence before taking action to end it?

Corporate totalitarianism is making me very ill.

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 · 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!