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 · fraud · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · power · racism · trauma

Open Letter to Tyler Asher, President, Safeco Insurance

Good day, Sir:

I have written to you before about your rogue claims department headed by Kent Stiles, Senior Claim Resolution Specialist II, but you did not respond. As I received a letter from you detailing the cost of my renewed homeowner insurance policy, I thought I should respond before Stiles finds a way to not renew the insurance.

Why would Stiles prevent me from renewing my insurance? Perhaps it is because he is covering his embezzlement (?) or money laundering (?) activities, perpetrated through property claim fraud. Your entire claims department, your Presidential Service Team, as well as a host of managers and other adjusters are involved in this fraud, with knowledge that this is fraud. I have informed them Safeco many times in the past three years of what has happened to my claim. All of the complicit individuals have done nothing. Stiles must be pretty powerful. I asked him if he was the president of the company, but he never answered.

Stiles has made a practice of not answering my questions. Perhaps you will. Does it typically take 19 days to respond to a claim? Is it standard procedure to have an engineering analysis of damages conducted only to abandon that report with no explanation? Is it standard to maintain a claim record in a restricted status for three years, such that no one except the embezzlers have access to the file? Is it customary to force an insurance holder into an unfinished project, with no utilities and none of their personal goods returned to the property? Is it usual for an adjuster to authorize a complete rebuild of a property and then no report it to Underwriting? Is it correct to pay a contractor for goods and services not provided, against the wishes of the insurance holder?

Kent Stiles has done all of these questionable actions. He has destroyed my home of over 60 years, destroyed all of the growth planted for the pollinators, destroyed my privacy, and has attempted to destroy my reputation. I am sure he will find a way to cancel my insurance before it comes due. He couldn’t cancel it presently because I paid my premium in full.

Can you tell me if Protech is a preferred contractor in your Innovations Network? Stiles sent him here with an adjuster named Mazandarani. I thought they came to talk with me about making the repairs to one room of my house as indicated in the engineering report. They gave me a lot of hooey about being a part of the Network, the benefits of using the services of one of your Network contractors, etc. They had me sign a bogus contract for repair, packed me out of my home, and housed me at a distance so I could not easily keep track of what they were doing.

After being out of my home for over 6 months, violating the contract, I filed a complaint with the Department of Insurance. I had to file multiple complaints before one of them was taken up by a man named death, John Mort. Mort never had Stiles answer my questions. He never required him to provide the superseding documentation that said my entire home had to be demolished instead of simply repairing the one room that was damaged. It seems Mort works for Stiles. He closed my complaint without telling me he was doing so. When I contacted him to find out the status of my case, he mocked me and told me good luck trying to prove $430K was not spent on my project. My claim was settled for $48K. I received the checks. However, I never received the checks for this $430K charge that is reported as two different amounts in Lexis-Nexis and Verisk.

Sir, I don’t want to renew my insurance with you, and Stiles will likely make my wants irrelevant as he did when he paid the contractor against my wishes. I cannot get affordable insurance elsewhere because my claim history is loaded up with claims. I only ever filed one claim with Safeco, but there were four claims listed in my history. I was successful in getting changed the cause of damage, which was wind but reported as water by Stile. I was also successful in getting one claim removed. As long as Stiles is the only one providing responses to Lexis-Nexis and Verisk, those lies will remain on my record.

I learned only today that adjusters change the claim numbers on claims so that they can deny renewal. I was issued one claim number in 2016, but that claim number is not included in my claim history. I hate to assume, but I am going to assume that Stiles will prevail this month in finding a way to prevent renewal. Who, then, will take responsibility for this fraud, for the destruction of my property, for the ruining of my life?

I hope to hear from you or a credible representative soon. And thank you for writing me about my insurance renewal.

Sincerely,

VJ Hamilton

OX5953267

AS

NOTES: DD-214

Kent Stiles of Safeco and Vince Paglia of Protech have turned my life upside down. I don’t know where my DD-214 is located. For 38 years, I knew exactly where my DD-214 was located in my house, but because of property claim fraud I no longer know where my DD-214 is located on this property.

The majority of my household goods stand outside or are stuffed inside the narrow garage Paglia erected to replace my workshop and storage space. Paglia committed ‘hard fraud’ in that he destroyed undamaged structures. He also submitted a different set of plans to Public Works in order to get a rebuild permit that he misused to build this piece of junk structure that stands in place of my 1923 Rambler cottage, hand-built by Elmer Lambert, JW.

I have been unable to spin for 4 years now. This is getting very old.

aging · AS · Bad Faith · Building Contractor Scam · Civil Court · Class · Criminal Organizations · Disaster · documents analyses · Economic Anger · ethnography · fraud · gentrification · Homeless People · Homeownership · housing · Insurance · Insurance Claims · Insurance Scam · Law · observations · Paralegal Studies · power · Probate Housing Creditors Mortgages Mortgage Fraud · racism · social observation · trauma

What I’ve Lost

I am certain it is not clear to you the extent of my loss. The lemon tree that took 19 years to bear fruit; buried atop my son’s placental home; planted by my mother who died in my son’s nineteenth year in her bedroom, in the house I’d lived in all my life-she knew him, she helped birth him, she drove like a javelin to Santa Monica, to the converted farmhouse that served as a freestanding birthing center, ensuring his literal birth in a barn. This lemon tree was cut down…by the subcontractor…who is now dead.

My son grew up in that house. He called it a crapshack because he was, in childhood, quite gangling and sometimes ungainly. He was forever stubbing his toes. It was a cottage. It couldn’t be helped that he was a bull in a china shop. Nevertheless, that crapshack was his childhood home and the satellite around which we wove our travels in the world.

We built, my mother and I, a library in that house. Venice thrift shops provided much of our largesse.  We collected, and read, hundreds of books. Destroyed, now, many of them, the bookcase standing in the yard with many of my other klediments.

I knew the man who built my crapshack, by hand. He was a JW. His name was Elmer Lambert. His wife’s name was Ima. I remember they had a daughter, but might also have had a son. The house was a one-bedroom cottage with hardwood floors, built in cabinetry, a counter between front room and kitchen that could be used as a table, serving area, and lookout point. The front door boasted a barn-door type window, giving an unimpeded view of the front and side yard. The doorway was wider than average.

All the doors in my house, save the front entry, opened to the left. Behind the door to the bedroom, Mom had built a linen closet to house our dishtowels, cuptowels, bath towels, sheets, small blankets, some small kitchen appliances. The left-opening door, when left open, provided cover for the cabinet.

I had to step down once into the kitchen. I had a white ceramic sink that was deep, and boasted knobs for hot and cold. It was a piece of a countertop, cookware storage, and under the sink storage unit. Facing the sink, my stove was to my right. I had hooks, hangers, cabinets on the upper walls to the left; a hanger for mugs, a couple of places to hang dish towels. Had a mirror mounted in there, and a light. The large rectangular window above me provided morning light from the east.

I love to cook. My son loves to cook, but he has to have a whole lot of room and prep area. Me? I can whip up something palatable with a couple of burners, but it gets monotonous. I’ve been living like poverty for over a year now with a gas stove that is not connected to the gas line because the contractor left the line capped, providing no connector. There are many gas lines under this structure because a gas line was run to operated the gas dryer I do not have and to the hot water heater that was placed alongside the “driveway” because this structure was built without plans.

The flooring in the bathroom is mushy and feels about to give way at any moment; there’s a leak somewhere, likely because the shower was not installed properly and was not sealed. I have no warranties, even thought I was promised three years of warranties by Safeco Liberty Mutual if only I worked with their preferred contractor.

I had a back door, through which I could generate cross-ventilation, get to my back yard easily. I still have the t-poles for my clothesline, but my undamaged workshop was torn down to make way for a “garage”. There was a scheme to turn my verdant paradise into a heat island, bordered by asphalt and cement. My yard was full of green and flowering plants, including succulents, bougainvillea, lavender, night-blooming jasmine, honeysuckle, a variety of roses. This in an area zoned for livestock and farming. I live in the County of Los Angeles. There are horses here. There are chickens here. There are nurseries here. But the County is gentrifying, which brings me to my property tax status.

In California, in Los Angeles County, in 2015, my property taxes were ~$650 per year. Now, in 2019, my property taxes have tripled. This job, done by Vince Paglia, was accomplished by tearing down my 1923 hand built Rambler home. I had a workshop in the back yard with a waist-high, full-length hard wood worktable. There were shelves that I remember saving magazines in because of the vertical dividers in the cabinet. There were shelves and cubbyholes on the walls. There was a great, heavy wooden drawer, that I possess still, that fit into the worktable. Vince Paglia tore down my workshop, the unpermitted expansion that was used for storage to put up a parking lot and I don’t eeeven have a car.

I miss Segovia. Segovia was a death cactus that grew in a ring of tires. Segovia was very tall, perhaps 7′-8′, and bloomed at night. When in bloom, Segovia’s scent wafted over the yard, blending with the night-blooming jasmine, sometimes the honeysuckle and lavender very faintly. Segovia provided most of the privacy in my back yard, grown along with the honeysuckle that grew on the fence. When Mama Gin lived next door, she was a homeowner who worked for the IRS. Her son served in the Air Force. Her daughter was a flit. She and Mom shared the care of the trees planted along the property lines between the houses. Mr. Lambert took care of most general maintenance, but Mom was pretty handy with tools.  Mom and I took care of the gardening and yard maintenance when I was growing up.

I remember Mr. Lambert gave me my first nickname. He called me Sputnik because I was his satellite as he worked about the place, prattling to him with my 2 or 3 year old self. Ima, Mrs. Lambert, always offered me fruit. I grew up kindly towards the JWs because I grew up with experience of the Lamberts.

I used to play and work in my workshop. I haven’t been able to use my spinning wheels because the inadequate garage is packed to the gills with my household goods. I haven’t been able to unpack because the house is now smaller, configured differently, has not even a closet, though a one-bedroom, one-bathroom was paid for. More than $80K was given to Paglia for goods not in this structure. I wish I did have the vent-free, infra-red heaters for which he received pay. I wish I had my back door. I wish the attic vents had been installed instead of the fire sprinklers for which I have no instruction manual. I don’t know what I’m supposed to do with these things because I never had them in my home before.

Vince Paglia and Kent Stiles of Safeco Liberty Mutual have put me in a bad way, I tell you what. I learned from reading the legal bric-a-brac that your insurance provider is not supposed to leave you any worse off than you were before you filed your homeowner’s claim. Maybe this is why Stiles has changed my claim number from 12-digit number to 22-digit number, and when I call to inquire about this claim number that I don’t recognize, no one else recognizes it either.  This brand new claim number is recorded on my claim history with the databases that record such data and hold it for seven years, along with the date of loss of every claim I’ve ever allegedly filed with Safeco Liberty Mutual, the cause of said loss, and the amount paid out to mitigate the loss. This brand new to me claim number even says my loss was caused by water. Imagine, the insurance company is recording false information; my loss was caused by the wind.

If my claim settled and paid out $48K under one claim number, why are $430K and $439K recorded under that new claim number as the amount paid out on those official records? Those records can impact the premium I’ll have to pay for insurance when I manage to escape from Safeco Liberty Mutual.

I have referred to the scam through which I’ve been put as GASLIGHTING. I hate being gaslighted, especially by a corporation that should have a fiduciary responsibility towards me, the insured, who paid premiums, on time, since 2011. Instead of being appreciated, I’ve been robbed.

I believe Safeco Liberty Mutual and Paglia and Associates do not appreciate the severe loss they have caused me. I think the dead contractor kindled the wrath, though….

aging · Bad Faith · Building Contractor Scam · Civil Court · Criminal Organizations · Disaster · fraud · Insurance · Insurance Claims · Insurance Scam · Paralegal Studies

Safeco and the Department of Insurance

Safeco defrauded me. Adjuster Kent Stiles scammed me with the assistance of Nahal Mazandarani, Field Adjuster and a contractor, Vince Paglia and Associates.

Mazandarani brought Paglia to my home and insisted that I should use his services as I would be afforded warranties and work guarantees for three years. I was assured I was working with a preferred contractor through their Innovations program. My project would by supervised from start to finish, and I would have no worries … except that instead of repairing only one room, I’d have to have a completely new house … because my home had no foundation. This news was conveyed orally. I never saw the whole-house red tag that was allegedly issued by Los Angeles County Public Works and used to justify destroying my home of over 60 years. Kent Stiles “approved” the rebuild, but carried the project as repair only. He never reported to Underwriting that my entire home was rebuilt. Paglia never submitted plans for a rebuild, but had this structure built from a rough drawing of my home.

Now, the scapegoat subcontractor is dead and Paglia has called to intimidate me into making a settlement for much less than I am owed. He told me straight out that I would never get the more than $80K he was paid for materials and services not in existence here. At the end of his call, made from his car so no one could hear him, he said I should just forget we had this conversation. Really?

All of this has been reported to the Insurance Commission, but that agency is only as good as the agents who work the claims. My agent is working for Safeco. I am blocked from making any more claims without the approval of the adjuster and his minions in charge of plundering my claim funds. They had me state I wanted to make a new claim. I had to swear I was not .trying to get any more money on the old claim, which was supposed to be closed. Except it is never closed and my file is forever under surveillance. I had to provide a date of loss different from the old claim. I had to provide a cause of loss. My date of loss was taken from the Contractors State License Board citation of Paglia, wherein it is stated that the date of occurrence was 6.20.2016, three days after Kent Stiles took over my claim from the original adjuster who had worked it through to final payment, $48K. Stiles pushed the costs up to $430K, at least on paper. Many receipts in my claim file are for materials that are not here. There are documents full of misrepresentations. None of the documents cited as reasons for destroying my home exist. The contractor had the nerve to list himself as the owner of my property in order to demolish structures that were not damaged.

Through over two years of correspondence, the agent from the Department of Insurance failed to get answers to pertinent questions about my claim, failed to get requested documents, and he has treated me with contempt and condescension. He sees nothing wrong with the way my claim has been handled by Safeco. He is the reason I wrote to Consumer Affairs to question why DOI is the only agency consumers have to appeal to when being defrauded by insurance companies.

Safeco is corrupted through and through. I have a thing for chain of command, so went through the hierarchy in an attempt to have someone check the adjuster. Safeco has a Presidential Service Team, the last resort after talking with supervisors and managers. That representative was supposed to assist me resolve the problems I was having with Stiles. Instead, she also worked to support Stiles and his lies, assisting in the gaslighting that is a hallmark of this scam. All interactions have been documented in emails that are in my claim file, but the DOI agent has not bothered to review any of them. He allows Safeco to abuse me in the hope that I will quietly go away in utter frustration.

Well, I am as frustrated as I’ll ever be. Now, this is an obsession to find out just what the consumer has to do to be heard and helped to stop unscrupulous corporations, criminal insurance companies that are supposed to have a fiduciary responsibility to consumers, from defrauding us.

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

PTSD Blues (Public Service Announcement)

I lived in my home for over 60 years. Then, I made an insurance claim with SAFECO INSURANCE. Instead of simply repairing the damage done by the tree falling on my bedroom, they told me lies and stole my home through destruction. SAFECO INSURANCE, PROTECH CONSTRUCTION, LOS ANGELES COUNTY BUILDING AND SAFETY are all involved in this theft by deception.

Protech Construction was found to be in violation of the Professional Conduct Code, and was ordered to pay me for damages assessed by the Contractors State License Board. Protech did not pay as ordered. I filed a claim against the contractor’s bond, and they are now stalling me about payment.

If you are insured with SAFECO INSURANCE or have any contracting work scheduled with PROTECH CONSTRUCTION owned by Vince and Kimm Paglia, you need a new insurance company and a new contractor. SAFECO INSURANCE does not have any oversight. There is no one in charge there. The Presidential Service Team is no joke as it does not assist consumers resolve problems with claims adjusters. Claims adjusters and contractors maintain a confidential relationship that disadvantages the consumer. Once they close ranks, no help will be forthcoming from within the company. Consumers are forced to seek assistance from the Department of Insurance, but they do not help consumers get answers to pertinent questions and they make no demands of the insurance company to provide consumers with answers to legitimate questions about the handling of a claim.

SAFECO INSURANCE appears to have every law firm capable of fighting them on retainer. Not even PUBLIC COUNSEL would help me bring a case against the insurance company because of conflict of interest concerns. Unless one has an incredible amount of money, there is no legal help available. Stalling, along with lying, is the chief action employed in the commission of this scam. SAFECO INSURANCE repeatedly notified me that I could not file a lawsuit against them if it was not brought within a year of the commencement of work, hoping to convince me that the statute of limitations would expire and I would be without recourse. That might be so if I was only looking to prove bad faith, but this is fraud and a civil suit can still be brought.

CAVEAT: AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION, PERPETRATORS OF A CLAIMS SCAM THAT DEPRIVES CONSUMERS OF THEIR HOMES AND THE INSURANCE CLAIM FUNDS NECESSARY TO PROPERLY RESOLVE A CLAIM.

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

CRIME SCENE

As of Earth Day tomorrow I will be living in this crime scene for over a year and have been attempting to resolve my problem with Safeco Insurance for three years.

Safeco adjuster Kent Stiles continues to fail to provide me with requested documentation. Vince Paglia lies to the Contractors State License Board about plans that never existed.

I am unable to get corresponding, itemized statements like the only one I have that corresponds to an $80+K check for materials and services not provided here, but paid for by Kent Stiles.

I am exceptionally tired of living in this crime scene. I think I have succeeded in having my property taxes lowered as I was finally able to get the assessor to come back out here and measure the property. When he came here before, he didn’t measure. He took pictures and the contractors word for the dimensions of the structure. The contractor told him the structure measured 816 sq ft. It actually measured 585 sq ft.

Not only are the insurance company and contractor crooked, the Los Angeles County Building and Safety seems to have some issues with their building inspectors. Not all of them are honest dealers. I had to write an online request to get the appraiser to come back here. He took a page from Stiles and Paglia and ignored my first three calls. Sending written notification prevented him from ignoring me any longer.

I am so angry about this situation that I could not sleep at all last night. Three years of claim mishandling and abuse from Safeco and Protech. Insurance companies have a fiduciary responsibility to their consumers. I should not have been less well off than I was before I filed my claim for damages. I should not have a smaller house with no amenities. I should not have to continue being a customer of Safeco, but I have already experienced Stiles’ manipulation of the information regarding my claim; he attributed my claim to water damage when it was wind that blew a tree limb onto the roof of my bedroom, the only room damaged in the incident. Stiles and Paglia destroyed my undamaged workshop, the entire front three-quarters of my home, all of my landscaping grown to support pollinators. I had to look at my front yard, barren and without any growth, or color for such a long time that I refuse to cut the grass. I prefer looking at green to brown.


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?