Sunday 15th of July 2018 03:13:27 PM
Earth Day of 2016, a tree fell on my home due to high winds. I reported my claim 15 minutes after it happened. It took Safeco 19 days to respond. First demonstration of bad faith. The first adjuster to work this case stalled on sending an engineer to review the damage because he was trying to help Beal Bank gain ownership of my property when they had no legal right to it. He managed to get them paid $48K because they claimed to be my mortgage holder. NOTE: I did not have a mortgage, and I had been through probate and was awarded the home, free and clear. I notified Safeco of these facts, but they either did not check with the court or simply did not care to check because the adjuster in charge, Kent **, saw an opportunity of make a bit of extra money.** sent his henchwoman, Mazandarani, to be the field adjuster. She brought with her a contractor from Protech. She misled me by stating that the contractor was in their network of preferred contractors and that if I used his services, I would be provided with a 3-year warranty on the work. End of job, no warranty from either Safeco or Protech.Initially, my claim was for repair, but the scope of the project changed when it was determined I had no foundation. My home was built in 1923 and had a pier and beam foundation. Over the years, the house sank and from the kitchen back to the bedroom the house sat on the earth, suspended above it in the living room and bathroom. Because there was no poured foundation, repairs could not be made to my home until it was brought up to code. The adjuster and contractor decided my house AND storage unit had to come down, everything rebuilt from the ground up. Of course, there would likely be some cost overruns of about $20K, but we could discuss that later. NOTE: There was no structural damage done to my storage unit, but the adjuster claimed there was.In December of 2017, my family was forced to move into a house that had no utilities, none of my personal goods, which were in storage, no gas line. When I contacted ** to tell him of my mistreatment, of Mazandarani's action, his only response was to tell me he was on vacation. This event happened over the holiday season. For the duration of the claim process, ** misled me to believe he was Mazandarani's supervisor. He is not, but he did not report her actions to her supervisor as they are working together to defraud me.Protech was initially hired to complete repairs. When the scope of the project changed, I should have been advised by Mazandarani to select a new contractor, but that would have required me to use their contractors network, that says it monitors all work throughout the process. All work here was conducted without any external review by anyone except the inspectors from Building and Safety.Protech had me sign a contract for repairs that was incomplete when given to me in that it did not have all of the pages attached and was not an original document, but a copied document. They also had me sign a pay schedule that was not adhered to at all. Protech also changed the amount they were charging to do the job, but never submitted any paperwork explaining why. Protech also stole all documents that were supposed to be left in the house when the work was completed. No invoices, receipts, or warranties are here and had I not opened a complaint with the Insurance Commission, they might have gotten away with stealing over $200K without anyone being the wiser.In October 2017, I asked Mazandarani how much money was left in the account to pay for the work. I was prepared to go to the bank and get a HELOC to take care of any overage, but she would not answer my question. I found out on 6 March 2018 that there was $80K remaining of the $190K available. Protech charged $238K for this shoddy work. I cannot understand how this is so when there was not that amount of money remaining in the claim. They claimed they were paid in full. They submitted an estimate, not a final bill or final invoice. An estimate that netted them $190K when they had done less than $110K of work. My property value actually decreased.The Insurance Commission investigation continues. The Contractors State License Board will investigate. My wish is that there was one honest person working for Safeco. It is a closed system. When you speak to their Presidential Service Team, they simply report everything you tell them to the people you have the complaint against. They even let them investigate themselves. That is what Kent ** is doing even after I fired him, Mazandarani, and Vince Paglia's Protech.Everyone I have spoken to during this fiasco has mocked me, indirectly called me a liar, condescended to me. I have experienced not one whit of professionalism, unless it is the professional way they commit fraud and theft. Everything looks good from the outside, but inside and underneath are not what we have been led to believe is true. The water filter, which we were told is a whole house water filter, had no filter in the canister, and only filters hot water. The paint is coming off the eaves. Outdoor outlets were poorly installed and have gaps that will allow water to get into them. I have not had a stove for 5 months because they rearranged my kitchen, not following the plans, and I do not feel safe using the stove where they placed it.I had a yard full of plants and flowers to support the pollinators, help with asthma, provide privacy, fruit and vegetables. My yard is now a large litter box because they killed virtually every living thing on the property. And they are ignoring my personal property claim that wasn't filed until Protech abandoned the project in December, when we were forced to move in and all of my goods that had been left on the property because we were only supposed to be out of home 3-6 months, were all gone. Much of what was taken were heavy steel and wrought iron pieces, including my fencing, that I suppose was taken for recycling. My Weber grills were taken, my security doors with privacy screens were taken, my gardening supplies thrown away, my 31-year old lemon tree was cut down with fruit on it. There is no intention to compensate me for this loss. Stay away from Safeco. They are ruthless, immoral, cruel, and seem proud to be so.