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.

 

AS · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance · Paralegal Studies

Case Closed?

Looky here, folks. The final tote board. Not one indication of the $48K taken from me, no indication of the foreclosure that propelled me into bankruptcy, except that Beal Bank is clearly listed as a creditor. My, my.

That $1680 – $68.40 are the only fees recorded by the Court. Tortfeasor Brad Weil filed for >$9000 in attorney’s fees. I objected, citing his failure to represent me, his failure to account for my insurance monies, his failure to perform due diligence, his negligence & malfeasance. The Court agreed with me as his fees have been removed from the final accounting.

I have been robbed under the cover of the law.

Homeownership · Insurance · Law · Paralegal Studies · power · Uncategorized

Can I Get a Witness? (Real/Real)

A very large limb from a very tall weed fell on and crushed my bedroom. It didn’t crush it to bits, but the limb did hit with enough force to split my bedroom at the seams, crush the center beam and godtotell what’s up with the rafters. The wall is leaning away from the ceiling, which is cracked and broken.

The house was built in 1927 that I know and there never was a foundation, but crawl spaces did exist for I sometimes crawled under the house to go exploring. Lots of spiders’ webs and plants that grew in the dark. Sometimes, they’d grow right through the spaces in the wooden floor. Tongue-in-groove, but they grew around the wood. I’ve always appreciated the heartiness of the earth and the plants that come out of it on my small patch. I have digressed.

The insurance company that I have paid for the past 5 years sent no one to inspect my damages for 18 days. The estimator told me that he thought he should refrain from making an estimate until a structural engineer assessed the damage. He went out and spent a great deal of time in his vehicle writing his conclusions. I thought he ordered the structural engineer. He told me he was, but when I called to speak with my adjuster several days later to ask when the visit was scheduled, his second knew nothing. The engineer did show up shortly after I made the call.

My claim rep communicates poorly, if at all. He seems to have dealt with my case in haste. Or, was he somehow corrupted by MGC/Beal Bank? These monsters contacted the insurance company and told them that they would be paying the insurance. My insurance payments have never been late as they are directly debited from my bank account. Because MGC/Beal Bank is listed as the lienholder, they are allowed to make some changes at will. This change resulted in me receiving a warning letter from the insurance company because the premiums had not been paid for two months. The insurance company also told me, the person responsible for paying the bill for the past five years, that they were responsible for protecting the lienholder’s interest. Where does that leave the consumer, the person directly dealing the with the loss? With your interest unprotected.

This bloody bank can hide behind the law. Everything the bank does is protected behind legalese and legal fees.

The fight to save my home continues.