AS

SAFECO INSURANCE PAYS PROTECH CONSTRUCTION FOR WORK AND SERVICES NOT PERFORMED

On 6 March 2018, Kent Stiles paid Vince Paglia $80K+ for services not provided at this site, for materials not installed at this site. Over the course of this claim, Vince Paglia was paid with 7 checks. I have an itemized statement for only one check, the last one collected over my objections that the document was false. I requested the prior statements, but neither Stiles nor Paglia will provide them, opting to ignore me and my complaints and their blatant fraud.

Avoid Safeco Insurance and Protech Construction. I don’t know who is running this company that owes a fiduciary responsibility to clients, but anyone dealing with these companies should find alternatives as quickly as possible.

AS

Happy Birthday to Me!

I had to take a break from thinking about Safeco and Protech. It is bizarre to me that I am having such a weird experience with an agency I am supposed to trust(?) to do the right thing because I have faithfully paid my premiums to Safeco since 2011.

I received a letter from Cheryl Flaherty, Consumer Affairs Manager for Safeco/Liberty Mutual. “We have conducted a thorough investigation and have determined that your allegations are unfounded and of no merit. We request that you cease and desist from any further comments or allegations related to any employee of Safeco Insurance/Liberty Mutual Insurance Company that was involved in the adjustment of your claim.”

Now, cease and desist raises my hackles. Cease and desist is usually a legal demand. Coming from a Consumer Affairs Manager, it reads like a threat. Cease and desist, or what? What about this thorough investigation? How could it be thorough if you never spoke with me?

Flaherty goes on: “Please be aware that as of the date of this letter (21 February 2019), First National Insurance Company of America/Safeco Insurance will only respond to issues related specifically to your claim and specifically only to new information related to the adjustment of the claim.”

For the past year, I have been doing nothing but attempting to get questions answered about my claim. It has been an exercise in futility as the only person apparently qualified to work my claim, the man who refuses to answer my questions, is the same man who orchestrated grand theft. I cannot understand how and why this nightmare experience continues.

All of the questions I had about why it took 19 days to get a response to my initial report of the damage to my home caused by a tree that fell during high winds; about why proper plans were never drawn for the rebuilding of my home; about why the contractor, Protech, was paid for goods and services not provided or in evidence on this toft.

Today, as a birthday present to me and in compliance with Flaherty’s instructions, I sent a request for the itemized statements or invoices submitted by Protech to Safeco for payment. I have one statement and it is for the items that do not exist here but for which Safeco paid Protech in excess of $80K. This was the last payment. Six others preceded it. I should have those itemized statements, doncha think?

Bad Faith · Building Contractor Scam · Criminal Organizations · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · social observation · Sociology · trauma

AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION

If you have an insurance policy with Safeco Insurance, you should look for another provider. There is something terribly wrong with a company that is supposed to have the consumer’s trust but won’t answer questions, lies to your face, bullies you, and destroys your home with no consequences.

The low premiums lure you in. Just don’t file a claim. It took 19 days to get a response from Safeco after a huge tree fell on my home. Good thing my home was made of old, hard walnut wood, else I might be dead now.

Finally, an adjuster responded, sent an appraiser to assess the damage. He couldn’t make a full assessment because he could not see the inner workings of the house, the beams and such, so he called for an engineer. The engineer assessed the damages as being confined to my bedroom. No other rooms were involved and no damage was done to my workshop at the rear of the property. The amount needed to repair my home was set at $48K, detailed in a dated engineering report (Donan Engineering) with an expiry date of March 2018.

How did my bill come to $430K? Come back tomorrow and I’ll tell you.

Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · trauma

Heading Into the Stretch

Safeco/Liberty Mutual (avoid them) claims adjuster Kent Stiles will not provide the superseding document to an engineering report in my claim file. That report stated that only the bedroom of my home was in need of repair, and the check was cut for $48K to settle the claim.

Kent Stiles claims I have received all the documentation to which I am entitled, but I contend that if the first engineering report is in the file, why wouldn’t the superseding document be in the file?

Kent Stiles has had cooperation from many people in the claims department. The team that he is a part of is corrupted. He restricted access to my claim file for a slap year. Still, I won’t stop pressing this issue, telling my story, mentioning his name until I get his license pulled.

I have contacted the CEOs of both Safeco and Liberty Mutual. Contacted the CFO of Liberty Mutual as they own Safeco. No response.

Lately, I’ve taken to reporting the crime on their fraud email,
abuse@libertymutual.com. After my first contact, they had a member of the Presidential Service Team call me. She is the same witch who has been helping Kent Stiles cover up his thievery. So, I wrote them again, gave them a list of individuals involved, asked them to have those on the list never contact me again. The Presidential Service Team is supposed to assist clients to resolve issues with their adjusters, but they help the adjusters unless I’ve just had the misfortune to get hooked up with all the crooks at Safeco. I wrote a third time to give more detail about Stiles’ questionable handling of my claim. At this moment, there has been no response.

AS

I’ve Been Robbed!

Move-In Ready, Courtesy of Safeco Insurance Claims, December 2017
Kent Stiles, Vince Paglia, Nahal Mazandarani

When Vince Paglia, president of Protech Construction, and Nichole/Nahal Mazandarani, a senior adjuster at Safeco Insurance, came to my home to discuss the timetable of repairs, I thought they had been sent to repair the damages to my bedroom, caused by a tree limb falling on my house on Earth Day, 2016.

It took Safeco 19 days to respond to my claim that I entered 15 minutes after it happened. Trevor Haaswyk was the adjuster who responded and he sent an appraiser and an engineer to my home to assess the damages. The first adjuster responding requested the engineer’s assessment as he could not assess any structural damage that was not readily visible. The engineer assessed the damages and wrote a report that totaled the damages at around $48K. There was no damage to my storage/workshop, no damage to any other room in my home except the bedroom. The bedroom definitely suffered structural damage, but because my home was handbuilt in 1923, it withstood the weight of the wild pecan tree that fell on it. If you know anything of wood, you know pecan is dense and heavy.

When Mazandarani shows up with Paglia, they told me repairs could not commence because I had no foundation. The entire house would have to be rebuilt. Mazandarani called me a couple of days after this pronouncement to tell me the rebuild had been approved. They would begin after Paglia returned from his vacay in Croatia. He said he would start with the “garage”.

There was never a garage on this property. There was a workshop for metal and woodwork that I expanded to accommodate storage needs. When we needed off-street parking, the drive in front of the house easily accepted two full-sized vehicles. No matter how often I said I didn’t have a garage and didn’t want my workshop torn down, as it wasn’t damaged, I was told that LA County Building and Safety and Planning required me to have a garage and covered parking. A driveway had to reach from the sidewalk to the garage.

This scheme to rebuild my home with only an authorization for repair was signed off on at every instance of money disbursement by Kent Stiles of Safeco. Stiles took over my claim from Trevor Haaswyk and would never answer me when I asked what happened to Haaswyk’s findings.

I have been suspicious of the behavior of my insurance provider and their contractor since March 2017. By then, they had surpassed the 3-6 month time estimate in the “contract” I signed with Protech. I felt I was being subjected to bad faith. It took quite some time to find the department to report problems with claims, but I was told the Presidential Service Team could assist me.

Through first Fernando Moreno and then, Olivia Casarez, both of the PST, I was subjected to further stalling and attempts to call me off the complaint. Ms Casarez would report everything I said to Kent Stiles, who would then alter his documentation to counter whatever my complaint may have been. Ms Casarez openly mocked me when I suggested an audit needed to be done on all claims handled by Stiles. He is much too practiced at covering up, stalling, making paperwork, like police reports, disappear. The narrative that had included rebuild suddenly went to repair only, and it was as if Protech had not been the one to rebuild this house, but came in only to make repairs about items I said were missing or never installed on this site. This is not the first time a consumer has been subjected to this skimming scam, this fraud, that seems to be a systemic failure of Safeco Insurance.

Throughout the process, I noticed there were never any plans drawn for a rebuild, that the contractor was building the house from a poor drawing of my home that didn’t take into consideration the angle at which my lot lies. And that is only the first of many wrongs that occurred here.

The trap pictured above was put in as a replacement for my handbuilt 1923 Rambler. It is not up to Code, yet it passed inspection. It lacks a back door, venting, access to the crawlspace or attic, my recessed lighting, my shelves, a closet, a mirror and vanity in the bathroom; to list more would bore you. The fact that they effectively killed all of my flora, and my library, that they destroyed my kitchen with its built-in, floor to ceiling shelves, I will never get over. I’ve been stuck in this trap a year and still cannot use my stove because there is no connector to the gas line.

Move-in ready. I’m supposed to be grateful for a “brand new house” according to Mazandarani. The project was abandoned when I walked into it. When the Porta Potty is gone, the project is done or abandoned. It looked abandoned to me, having no fencing, no porch, not even a real step, only a plywood board in front of the only entry or exit from this junk.

I want this house torn down. I had no choice in it, was lied to about it, had my home of 60 years taken from me. I now have a property that is worth less, taxed higher, is smaller, and in no way suits my needs. Much of my property that was in storage stands outside because I cannot fit it into the house or the garage. If everything came out of my home, why can’t it go back in?

Most disturbing is that Kent Stiles has been investigating himself. No matter to whom I reported the fact that he was robbing me, everything comes back to Stiles. He has no manager, no supervisor. Neither CEO of Safeco or Liberty Mutual seem interested in knowing they have an embezzlement ring in their Claims department. I think I have spoken to no less than 20 people at Safeco about this matter. Stiles had a security block on my file to prevent any one other than himself from seeing my claim file. The Presidential Service Team is a joke. Consumers should not be subjected to this treatment. Don’t insurance companies have a fiduciary responsibility to their customers? Guess not.

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Premium Time

Every time I have to pay my Safeco premium, I feel nausea. Why do I continue to pay them? Kent Stiles reported the cause of my claim as water damage to the powers that be that get to know you have made a homeowner’s claim. Because of your claim, just like when you make an auto claim, your rates go up. But, depending on the degree of liability, rates can be raised disproportionately. Example: My damage was caused by the winds. Stiles reported this as water damage. Another insurance provider wanted $200 more to insure this worthless piece of brand new house. So, forced to stay with Safeco despite their robbing me.

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?