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It’s a multi-faceted #InsurerFraud complaint involving the destruction of my home health because of apparent RICO level insurer fraud, collusion with insurance company preferred vendors, discrimination and abuse of an elderly female boomer because she refused to be extorted intimidated or involved in insurance crimes.

As a consequence, the insurance carrier paid over $101,000 to cover up the crimes that resulted in the catastrophic losses — and continue to refused to restore the property to preloss condition.

It was originally a simple $10,000 roof claim – had it been denied, the insured would have called a roofer and had the blown off roof replaced.

State Farm deceived the insured that she was REQUIRED TO USE THEIR VENDORS…. Their vendors demanded cash up front to circumvent the State Farm program, blamed one another for the delays, and the adjuster knew the claim was being inflated and approved the actions and even obtained build back authorization with an extremely negligent or fraudulent environmental air quality report from another of their vendor team.

A quick google search of STATE FARM RICO shows similar stories and business practices. Comey vs State Farm is a very similar case, and there are others with the same scenarios.

The legal community in California has declined to provide legal services for a variety of reasons, including but not limited to “State Farm Never Settles” and ‘there’s too much corruption. Cut your losses and walk away’ –

Contractors take a look and say, LADY, YOU NEED A LAWYER.

Public Adjusters have said the same thing.

Department of Insurance and Contractor State Licensing Board and Attorney General also shrug after “investigations’ and suggest ‘Lady – you need a lawyer. Not within our jurisdiction to handle’.

Meanwhile, America is experiencing a national mold crisis…due to some extreme bad faith and other unscrupulous practices. An insurance industry lobbyist also attacked, disparaged, harassed and other attempted to intimidate the insured on social media recently.

Thanks for asking. More of the story is in the blog: GotContractorComplaints.com #GotInsuranceComplaints

The #CourtOfPublicOpinion is the only court hearing the matter at the moment…. and will continue to until settlement is reached.

There are rumors that #JakeFromStateFarm will be replaced by another character called #RickyRICO — check with Brookings Institution – think tank that the State Farm CEO is apparently still affiliated with. #FollowTheMoney

Thanks for asking.

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Here’s a mind map:  BIG PICTURE…   VIEW IT OR PRINT IT …. IT TAKES 4 PAGES IF YOU HAVE FULL ACROBAT

STATE FARM MIND MAP TIMELINE OF DATE OF LOSS 2 2 2019 ONGOING 24×36

 

IF ONLY STATE FARM HAD DENIED THE CLAIM — THE INSURED WOULD HAVE CALLED A ROOFER AND HAD THE ROOF REPLACE.

STATE FARM FALSELY ADVISED INSURED — AN ELDERLY, DISABLED FEMALE RURAL HOMEOWNER THAT THE POLICY REQUIRED THAT SHE USE THE STATE FARM APPROVED AND PREFERRED VENDORS.  RATHER THAN INSTALLING A PROPER TEMPORARY TARP AND REPLACING THE ROOF, THE ADJUSTER AND VENDORS PLAYED GAMES CAUSING 40 DAYS OF UNMITIGATED WATER DAMAGE CONSISTING OF WIND, RAIN, SNOW.  REPORTS WERE MADE TO THE STATE FARM ADJUSTER REPEATEDLY DURING THE 40 DAY PERIOD, COMPLAINING LOUDLY AND TEARFULLY THAT THE VENDORS ASSIGNED BY STATE FARM WERE DESTROYING THE HOME.

SERVPRO SAID, ‘LET THE WATER DESTROY EVERYTHING – THE INSURANCE COMPANY WILL PAY FOR EVERYTHING’ They were authorized to spend approximately $15,000 on dry out project and apparently charged State Farm approximately $7,000 and allegedly completed the project for the 2/2/2019 loss on 2/19/2019 — even though their staff continued to inspect the property, and equipment was left behind, giving the appearance of an abandoned project.  There is no record of any actual remediation done, although 65% of the home was demolished and air blowers were set up.  In May of 2019, the insured learned of the charges from SerPro to State Farm.

PAUL DAVIS RESTORATION SAID, ‘For $7,000 cash (for a $5,000 local roofer bid) WE CAN GET A ROOF ON FAST.  The estimate arrived at the adjuster desk nearly 40 days later, at an estimate of nearly $9,000.  In the interim, Paul Davis Restoration negotiated with the State Farm adjuster for a pack out approval ($8,000) and failed to dry or remediate any of the household good that had been water saturated for nearly 10 days before packout.  What they didn’t break or steal, was water damaged. Paul Davis Restoration demanded that the insured sign a waiver of the 3 day right to cancel nearly 4 days after the work had been done (approved and negotiated only with the State Farm Phoenix office adjuster).  The PDR representative visited the insured at the hotel lobby — a hotel that was booked week to week, demanding that the disabled woman move to a different room each week.  Further threats, intimidation, demands for money and efforts to involve the insured in what appeared to be insurance crimes were reported immediately to the State Farm adjuster.  In June 2019, more cash was demanded to pay for the 40’ trailer and destroyed household goods (destruction not discovered until later).   Insured was paid $8,000 for total household goods loss; State Farm falsely advised Department of Insurance that $28,000 was paid to insured, and pretty much everything was destroye.d

Paul Davis Restoration falsely represented itself as a State Farm “Adjuster Representative” and did mulitple xactimate estimates throughout February and March 2019. PDR representative falsely represented himself as a General Contractor, working on behalf of the client, State Farm.  He was neither an adjuster nor a general contractor, and the State Farm adjuster in Phoenix was fully apprised of all facts, repeateadly.

State Farm refused the ServPro request to obtain an environmental clearance and instead, the adjuster called American Environmental Group who cleared the project for build back, not having found even one ittty bitty mold spore in March 2019. Their client was State Farm and they would not even discuss with the insured without adjuster approval.   Three air samples in a 6 room house that had endured 40 days of UNMITIGATED STORMS, WATER, RAIN AND SNOW INTRUSION — IT WAS RAINING IN THE HOUSE MOST ALL OF THE 40 DAYS.   Petrie dish for mold?

Michael Savage Construction, General Contractor and Roofer, did the first back after meeting with and being authorized to take over the project by the State Farm California field adjuster.  Savage abandoned the project in May after being paid nearly in full, as he apparently had a commitment to take somebody to Hawaii. Savage refused to complete the project and also failed to replace all the roof sheathing contractor for, along with other gross negligence.  His admission of lack of knowledge of mold consequences and lack of training therewith is no excuse for failures to complete the job in the 3 weeks proposed, and at all.  In June 2019, a subcontractor appeared at the property with intent to finish work on eaves, but said subcontractor arrived with small child in tow.   Savage had not returned calls for weeks.  Insured told Savage State Farm said Savage is the cause of any contruction issues and after Savage conversed with State Farm team, they told insured he admitted liability, which of course, he denied.  He also refused to meet with the field adjuster in October 2019 to discuss the extreme microbial growth discovered in the unmitigated known water damaged walls.   Sounds like he joined the State Farm team???

Insured returned to the incomplete project in late June.  It was then she discovered that the 40 days of unremediated water intrusion (because of the failures and refusals of the vendors to replace the approved roof in apparent efforts to inflate the project costs) had been the proximate cause of extreme water intrusion.

Insured contacted American Environmental Group in August 2019 to complete the inspection, all rooms, with full knowledge of the unmitigated water damage. That $2,000 report indicated air quality was ” UNACCEPTABLE* ”  with not recommendations.  Since the insured paid for the report, that seemed to have been back up fro fraudulent first report, she asked what the asterisks meant.  After a lengthy conversation with the lab, she was told, “Lady, it it was my mother’s home, I would tell her to clean it.”  The insured asked, “With what? Windex?”  — A recommended protocol suggested environmental cleaning, with yet another State Farm ‘approved vendor” estimating the cost to clean and vacuum with hepa etc would be approximately $10,000.

In October 2019, State Farm adjuster management team authorized yet another environmental report with Rapid Dry Restoration and GEO Earth environmental testing, after a meeting with the State Farm field adjuster and remediation company president.  State Farm paid for that inspection, requiring a second claim, and then alleged that the mold must have come from elsewhere, even though it was evident that the undemolished – previously identified in Feb/Mar 2019 water saturated walls, were heavily contaminated with multiple species of toxic mold and mycotoxins.  State Farm alleged that blowers at the site from February 4 thru approximately February 19 or March 5, 2019 had been sufficient to mitigate water problems, and the evident mold was apparently from some other event.  Adjuster said there were walls in October / November 2019 and they had done everything correctly in the claim.  They denied that the incomplete water remediation and extended exposure to 40 days of water damage by their vendors was the cause of the catastrophic damages.

 

By December 2019 – INSURED WAS VERY SICK AND HAD TO SEEK MEDICAL HELP FOR MOLD EXPOSURE.

In March 2020- Rapid Dry Restoration and GEO Earth Environmental Testing began second demo.  THAT’S ANOTHER STORY, FOR ANOTHER LAWSUIT.

Suffice to say that the next round of contractors failed to complete the remediation work, demolished 95% of the property, obtained a negligent or fraudulent false clearance, did not clean up toxic waste, left plastic and dust everywhere, refused to return when it was identified that there was still mold contamination.  The company president apparently falsely alleged that he is a general contractor, working under somebody else’s license, with multiple project with the State Farm field adjsuter over the years.  He even disparaged and falsely accused the insured of “stealing his equipment” in the CSLB investigations — equipment that was abandoned and he had no knowledge that it was left behind.

THANKS STATE FARM!  I’VE BEEN FREEZING IN 30 DEGREE WEATHER WITHOUT WALLS AND WITHOUT INSULATION,

AND EVERY WAKING MOMENT FACING THE CONSEQUENCES OF THE CRIMINAL CONDUCT I HAVE BEEN SUBJECTED TO BECAUSE OF INSURER FRAUD.

TIME TO WRAP THIS UP.   #JusticeIsComing   COUNT ON IT 

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NOTES, SOURCES, RESOURCES AND OTHER RECOMMENDED READING

1. GOLD STAR ADJUSTER https://www.youtube.com/channel/UCAY_seA1XCG9gdZy3z4_yBA/featured

2. WHY DO YOU THINK YOU CAN’T FIND AN ATTORNEY TO HELP YOU?

3. APAssociation.org
4. UPhelp.org
5. GotContractorComplaints.com