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With Little Commentary

I lived in my home more than 60 years.

I have an insurance company generated engineering report that details the condition of my my home and workshop. It was effective from May 2016 through March 2018.

I have demolition reports where my name is not listed as the owner, though I have been the legal owner since close of probate in 2015.

I filed a legitimate homeowner insurance claim, had it insurance company assessed, and settled in 2016.

I have a second insurance company generated cost analysis of the structure and work that replaced my home without my authorization, pre-demolition inspection, or set of approved plans as required by Los Angeles County Public Works.

I have no documentation that supersedes the initial engineering report in effect from May 2016 through March 2018.

I have no documentation of a legal or structural reason for the complete razing of my property.

Bad Faith · Building Contractor Scam · Disaster · fraud · Health and wellness · Homeownership · Insurance Claims · Insurance Scam · Paralegal Studies · trauma

Structural Integrity is Nil

Just stepped out of the shower and nearly went through the floor. I reported the questionable support structure under the bathroom floor to Los Angeles County Public Works, Building and Safety department several weeks ago. Because they are involved with the scam, they are ignoring my requests for service and leaving me in an unsafe condition because they do not want to require the contractor, who allegedly pulled the permits, to make the necessary corrections to this unfinished job.

I am now certain this scam involves Building and Safety inspectors and administrators. Had I not persisted in demanding reinspection of this mess that somehow passed final inspection, only to have the Certificate of Occupancy rescinded and a list of the same corrections that needed to be made when the first corrections notice was issued in 2017. Another was issued in 2018, but it was set aside for 18 months with a hope that I would just go away or would be intimidated into silence by the contractor.

The contractor is suing me for defamation, claiming I have cost him one million dollars in damages. I have filed an anti-SLAAP in response. I guess he has been designated to handle me while Building and Safety, Department of Insurance, Safeco/Liberty Mutual close off communication and ignore me.

I experienced similar treatment in the military. I reported sexual harassment to an officer. Next thing I know, he is transferred. I was prevented from getting to the Inspector General, so I stayed a one-woman protest, refusing to do anything except go to class until I was allowed to report what women were suffering at the hands of the Sargent Major in charge of the trainees. We were short-timers. It was easier to stop the behavior while we remained rather than let me report a lifer. Might mess up his retirement.

I now know with certainty that this structure was built without plans, with second-rate materials, and improperly with the blessings of LA County Building and Safety. The project manager who actually worked on this unsafe structure is dead. I think the dead have no rights, so it is safe to name him: Steve Willsey. I never would have known he died had not the contractor who is suing me called to tell me. He also told me I would never get the money he was given by the insurance adjuster. I think I was told about Willsey and was supposed to be afraid. I was threatened. I felt the contractor was attempting to intimidate me, just as he is doing by filing this frivolous lawsuit that violates my right to free speech.

I may not be able to sue this gaslighting crew, but I can let as many as can and will read this know that they need to be wary about insurance claims adjusters, building contractors, insurance companies, and public agencies that are supposed to stand for the consumer but don’t.

Building Contractor Scam · Civil Court · Criminal Organizations · fraud · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · small claims court

Paralegal Notes: Resources

When all regular avenues of complaint have been used and found inadequate there remains another avenue: Claim for Damages.

Before a state or local governing body can be sued in small claims court, a Claim for Damages must be filed. If the body denies the claim, one can then proceed to small claims court to sue. If the claim is accepted, one must wait for the investigation to be completed. If the outcome of the investigation is unsatisfactory, then suit can be filed.

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!

aging · AS · Bad Faith · Criminal Organizations · Homeownership · Insurance · Insurance Claims · Law · Paralegal Studies · Sociology · trauma

Now, I Am Believed

Well, well. As Safeco hired the Independent Inspector, I expect to never see his report. When he presented himself here, he seemed fair and even-handed, I might even say fair-dealing emanated from him. I must be radiating some sort of freneticism because all men wind up talking to my son. I think they hear me, but they talk to him. At first I rather despised this male habit, but once I rethink it some more, I’ll get back to this line.

For six months, we have been glamping, with the boxes that have no where to go gracing the “driveway” and the “back yard” with their unexamined contents. After opening 400 boxes on the dead run, I hadn’t the manual dexterity to continue. Gotta rest that carpal tunnel, doncha know?

No stove hookup available, no flex line and cut-off valve. But this was paid for. So, I bought some electric burners and have been cooking with electricity. Hate it.

The meter board should have arc faults in it. They were removed by Protech’s electrician when I called to tell them the breaker was thrown when nothing much was on. I think the place needs rewired. Their fix was to remove the Building Code-required arc faults.

The adjuster who made the payments, Kent Stiles, continues to head up the investigation into my claims of his, Mazandarani’s, and Protech’s malfeasance. How can he investigate himself? I asked him this directly. He provided no answer. I had the opportunity to ask his manager, and he said Safeco thought he was the best person for the job because of his “familiarity” with the case. The man has participated in my gaslighting for over two years, masterminded the situation IMO because he is the common denominator among all adjusters who have worked on this case. Stiles took over the case from Trevor Haaswyk, who later left the state. Stiles made the payment to Beal Bank. He made the $80K payment to Protech in March even though he knew full well the job was in active dispute. I used his estimate to craft the police report itemized list of items stolen from my property. Safeco paid for all sorts of things after Protech provided them with a written estimate. Not a final bill. No invoices. An estimate, only, after two years. At this point, some precise figures should be available.

But, no. After submitting this $80K estimate to me, Protech issued ANOTHER ESTIMATE, that stated they spent $238K on this project. Again, what was installed was altered, costs changed, still no receipts or invoices presented, no explanation of the change in cost from their original “bid” of $190K to the final $238K. Stiles is the only one qualified to investigate these irregularities as he aids and abets grand theft. SMH

 

 

aging · AS · Bad Faith · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance Claims · Paralegal Studies · power · small claims court · trauma

Finally, An Independent Inspector

After six months of wrangling with Safeco Senior Claims Resolution Specialist Kent Stiles,  whom I fired one month ago, enduring his continued attempts to humiliate and abuse me, his attempt to go through the back door of Innovations Properties to get me hooked up with the contractor network that I thought I was already a part of, an independent cost consultant was called in.

Stiles did not want him to know about the 19 days of delay that characterize the first days of my claim that was handled by a fellow named Trevor Haaswyk, now employed elsewhere. Wonder if I should track him down and get a statement? I may present this in civil court if this matter is not resolved to my satisfaction.

The inspector was treated to a first-eye look at the hideous workmanship that is Protech’s signature if all of the online reviews are to be believed. He photographed the overtorqued roof that is twisting the house and causing the apex joint in the centers of the house and garage, front and back, to separate and jut forward and backward. He saw how they deviated from the “plans”, a different set than those presented to me over 18 months of deceit.

The inspector also had a look at the last estimate submitted, documenting that Protech claims they were paid over $238K when their initial bid was $190K. They submitted no paperwork indicating why they needed this extra money. I have no documentation in this house for anything installed, no warranties for appliances installed, and a previous estimate that netted Protech $80K. That estimate was not presented for inspection. Guess the State Contractors License Board will have to take that into account.

I know the inspector found we were charged for items and services that never happened or were never installed on this property. I know he took note of the shoddy workmanship in evidence.

 

AS · Bad Faith · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance · Insurance Claims · Law · Paralegal Studies · Probate · research · small claims court

Why Safeco and Protech are Fired: Insurance/Contractor Scam

Moment2In conversation with the State Contractors License Board, I learned that the relationship between a contractor and insurance adjuster is private, that no one is privy to what goes on during the claims process between them. This characteristic of the claims process works against the consumer, as I am a living example.

Protech did everything to make the outside of the building look good, but it is deteriorating before my eyes. They provided no invoices, receipts, warranties, or any other documentation to go with the objects installed in this house. There are fire sprinklers in here about which  I have no clue.

The floors are allegedly oak hardwood. I was told to choose laminate because hardwood was too expensive and I had to be mindful of my budget. I never could get a number figure as to how much was in my budget, but found out later that there was $80K remaining in the account. This was paid out to Protech in a mad rush, in the midst of dispute, with the work undone. They didn’t have time to vent the house, the electrical needs rewiring. There are two vent-free, infrared heaters in here somewhere, but I see only a gas heater.

My kitchen is set up in such a way as to prevent my safe use of the stove. Gas lines installed where they are unneeded. I have not had full access to my kitchen for 5 months. Kitchen cabinets were only installed last week, yet they were listed as items bought and paid for on the estimate presented to Safeco for payment. Everything completely unverified, yet paid for, in full. Astonishing.

Frames were not removed, but left to rot underground. The water filter, connected only to the hot water even though it was billed as a whole house filter, had no filter in the canister. The contractor locked the tool in between pipes and told me he couldn’t remove it without turning off the gas. He stuck with this lie for weeks, then came and freed the tool without turning off the gas. Next, he tried to stop us from looking at the filter by saying there was no need to open the canister. Nevertheless, my son opened the canister and this is when we saw there was no filter in it.

The fencing is poorly done and every metal thing on the place, including the security door and the fencing is of poor quality, no comparison to what existed here before. I had hardwood floors, recessed lighting, the most beautiful and pollinator-inviting yard you ever saw. Protech destroyed it and left this cheap junk in place of my handbuilt, 1923 Rambler.

I suspect none of the appliances installed are new. Everything with a date on it comes from 2015. There are no invoices or receipts to prove differently. This house was built as a flip house. This is business?

aging · AS · Bad Faith · Criminal Organizations · Disaster · Homeownership · Insurance · Insurance Claims · Law · observations · Paralegal Studies · power

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.

AS · Bad Faith · Criminal Organizations · Disaster · Health and wellness · Homeownership · Insurance · trauma

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.