“When is the insurance company responsible for the malice, fraud and oppression of its adjusters?”
Insurance Company Act in Bad Faith? Can It Be Punished? What Policyholders Need To Know About California Bad Faith Law | Property Insurance Coverage Law Blog | Merlin Law Group
What about collusion to commit malice, fraud and oppression…?
Something is terribly terribly wrong with insurance practices in America, isn’t it?
That process is so similar to the #WorkComp process, isn’t it?
CALIFORNIA TARP —NO ROOF UNDER IT — GUARANTEED TO LEAK AND DESTROY. LEAVE ON FOR 40+ DAYS AND WISH THE HOMEOWNER GOOD LUCK WITH THE ADJUSTERS and STRUCTURAL STABILITY OF THE HOME.
AT LEAST AFTER A HURRICANE AND MILLION DOLLAR BAMBOOZLEMENTS IN PUERTO RICO WITH FEDERAL FUNDS, THEY USE BETTER QUALITY PLASTIC, HUH?‘You can’t win in court if you don’t know how!’ – TAKE THE 10 MINUTE QUIZ — if you don’t pass it, get the course: tinyurl.com/WinWithoutLawyers – DO IT FOR YOUR FRIENDS AND NEIGHBORS; DO IT FOR AMERICA!
Tell the Dr Graves that WorkCompLinda in California sent you….and that I’m still studying and that I will call sooon! 😀
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All Nuclear Reactors Leak All Of The Time, some more than others — On Purpose. 1,946 known radioactive isotopes *
Remember remember…. THIS IS NUCLEAR AWARENESS MONTH*
The State Farm Claims Loss Process needs some work, wouldn’t you agree?
Grateful for #SocialMediaSupportGroups…. Here’s part of comments left in a facebook #ToxicMold support group. I’m not sure (yet) why we don’t just call it what it is — #BioTerrorism by the #ProfitsBeforeLives #TeamsOfCrooks
Has anybody had success with insurance companies authorizing adequate and complete handling water intrusion, moisture and rain damage, mitigating damages, doing complete necessary demolition and restoration after a roof blow off?
Or has anybody had any success with finding a smart & legit lawyer to help the Insurance company do the right thing?🤔 (My insurance agent told me to lawyer up and sue them all for $10,000,000 or more!)
My insurance carrier just made everything substantially worse then washed their hands of it and blamed the vendors they sent & told me to get a lawyer to deal with it 😳 #TeamsOfCrooks‼️
Someone told me my story is all too common 😳 [ that sucks! ]
My roof blew off 2.2.2019 and the insurance company sent a team of #PreferredVendors who refused to properly tarp the house and left me without a roof for 40 days of rain wind hail and snow. They did not demolish all water damaged walls- just about 80%
In March – their preferred vendor for air quality testing company did air samples in only 3 rooms and called it “acceptable” so the adjuster suggests the problems are not because the remediation job was incomplete and the house was roofless for over 40 days — so it must be a mystery cause after their vendors did all that poor quality and incomplete work!
It took until November to gather all the data from the various and multiple air quality reports and thereby identify the problem areas, that coincidentally are the same areas that were noted as WATER DAMAGED by the vendors, but not demolished or mitigated.
When the gross negligence by all vendors was brought to the attention of the insurance company, they, of course, transferred the file to a new adjuster who was apparently told to just deny the claim, despite all scientific evidence and expert witness reports.
What a crooked shame. It could have been handled as an apparent oversight that the suspicious areas were NOT DEMOLISHED OR REMEDIATED, that the alleged mitigation of February was not completed, and that in order to restore the home to pre-loss condition, the WATER DAMAGE AND REMEDIATION PORTION OF THE PROJECT NEEDS TO BE COMPLETED.
THE INSURANCE CARRIER SEEMS TO THINK THEY CAN GET AWAY WITH BAD FAITH AND DENIAL OF THE INFORMATION IN THE EXPERT WITNESS AND ENVIRONMENTAL HYGIENIST PROTOCOL THAT THEY AUTHORIZED AND PAID FOR ($2,000).
Once the evidence was presented, the insurance carrier teams delayed till they had a strategy to deny the claim. Their strategy includes throwing their #PreferredVendors under the bus, and advising the insured to retain legal counsel and “sue for $10,000,000 or more”
Anybody with ANY EXPERIENCE with workers compensation dirty doctors can easily see the eerie playbook similarities of the #ProfitsBeforeLives psychopaths of the insurance industries. #KissinCousins….?
I was provided a hotel room as temporary housing from February through June 2019. Upon move back – poisoned air was discovered and its been a nightmare of lies, deceptions, incomplete and false reports and the usual bad stuff ever since.
The designated General Contractor caused loss of use policy coverage apparent forfeiture of nearly $90,000 in coverage when they threatened the safety of the household good if insured did not pay $500 and take over the pod lease. Had the insured known that the household goods had already been intentionally destroyed by said general contractor firm, she would still be safely in a hotel room while working out necessary repairs.
All household goods were lost due to the international water mitigation company’s cross contamination using dirty previously used boxes, refusal to clean and dry said household goods before tossing in a container and breaking what they didn’t steal. That is not to mention their refusal to replace the blown off roof for over 40 days, causing extreme damage.
Of course, they are all playing BLAME THE VICTIM – AN ELDERLY, DISABLED SINGLE FEMALE in RURAL CALIFORNIA.
In November 2019– a complete house inspection was done by an environmental hygienist, identifying several locations of unmitigated water damage and consequent mold, requiring immediate demolition, removal and remediation. The project just needs to be completed, yet State Farm and it’s co-conspirators want to make it a Federal BioTerrorism case?
The insurance adjuster said it’s not their problem and if I’m concerned for my health, to take precautions but they aren’t responsible for their preferred vendors gross negligence.
There have beenfive reports since June, and each one is Progressively worse. 😳
If my environment is increasingly toxic… It seems that … even just a little bit left can escalate, mutate and expand? 😳 Lots of Snake Oils Sales in the mold industry, huh?
I haven’t been able to find a lawyer to help nor find a doctor with any knowledge on diagnosing & treating for extreme mold exposure.
How do you #KeepTheFaith & prioritize survival actions? 🤕🤔🙂
Thanks for having this group!!!
All Nuclear Reactors Leak All Of The Time, some more than others — On Purpose.
1,946 known radioactive isotopes
#DodgeTheRads
Their #PreferredVendors escalated a $10,000 roof replacement claim to over $100,000, not including personal injuries sustained, and there is an estimate additional $50,000 in work to be done, that was done inadequately and incompletely in February 2019, plus loss of use for next phase of repairs, and loss of use and dangerous of being in the consequent toxic environment since the end of June.
If you know something, #PostSomething because #WeAreTheMediaNow
Does your #HomeOwners #InsurancePolicy cover unmitigated water damage and consequent #Bioterrorism by insurance company #PreferredVendors or does it have to be reported to DHS?
This blog will be a one-day-at-a-time work of social media art, and #VirtualCombatSkills. I’ve been saving some social media posts for you, hoping it wouldn’t come to this. It has.
NOTES, RESOURCES AND OTHER RECOMMENDED READINGS AND COMPLAINT SITES focused on national complaint and resolution sources and California. If you are in another state, share your resources!
Why it’s Smart to Avoid Unscrupulous Restoration Companies
In emergency situations, it’s normal for property owners to be traumatized, confused and very anxious to hire a restoration company right away to get the clean-up started immediately. So, it’s no surprise that after a fire, flood, or other severe damage strikes a home or business, companies you may never have heard of show up immediately to take advantage of the crisis.
CSLB’s complaint process is designed to protect the public in matters pertaining to construction and to assist in the resolution of construction-related complaints. CSLB addresses violations of California Contractors License Law, whether the contractor is licensed or unlicensed, for up to four years from the date of the act.
Here’s the LEGAL SELF HELP course I recently bought… haven’t finished it yet, but it has already helped me understand what’s really happening in the world of law, in these United States of America.
“MISSION STATEMENT: To promote peace and prosperity through greater public understanding of the Rule of Law and the principles and practices of Due Process.”
If you buy the course, please use my affiliate link/… it could help me fund necessary mentoring to move things forward in my own situation, and keep this blog moving. Learn more here. tinyurl.com/WinWithoutLawyers —
“Persistence Breaks Down Resistance” – NEVER GIVE UP because WE ARE THE MEDIA NOW – #OccupyVirtually, #StayOuttaTheStreets and continue to #DodgeTheRads
I told a friend who said, ‘Awwww, Linda, they are still just playing with you! Your emails didn’t get past the adjuster!’
Oh…. well, call me naive! Hmph
Well, that may be so, but it may not be. I guess this particular blog might be what some politicians and other agencies might call an ‘insurance policy’….. pun intended.
But, just to be sure, here’s the ‘redacted’ letter to Chairman, President and Chief Executive Officer of the responsible Insurance company.
Dear [Chairman, President and Chief Executive Officer]
Regarding my rural home at pre loss value of $$$,$$$, complaint #YYYYYYYYY and claims YYYYYYYYY AND YYYYYYYY….
I found this on xxxxxxxxxxx after another conversation with the executive claims department third-party.
I had no idea that the Email address I was copying my complaints and requests that my home be restored to pre-loss condition and what has happened to me in my home -were going directly to your office. Bravo!
Having worked for captains of industry during the course of my career, I would be shocked if your team had not elevated these unfortunate circumstances directly to your attention.
Learning that, I am astonished that I have not received a callback from the executive complaint department team or from your office, directly.
When I contacted the official complaint department on Monday, I was told I would hear from someone within three days or sooner.
Now I have a better understanding of why your staff in California and Arizona have gone quiet on me.
These unfortunate circumstances have been escalating since February 2, 2019
As you have been fully apprised- at least by my emails, we have a situation in California via the Arizona office.
All I’m asking for is for my house, my home and my life to be returned to pre-loss condition.
With a brain injury, sustained at work in 2012, and again in March 2019 as a direct consequence of the emotional duress, helplessly watching my home systematically demolished – for profit —by xxxxxxxxxxxxx preferred vendors – my actual losses are incalculable.
This was my safe place and the conduct of the xxxxxxxxx dispatched vendors have rendered my home toxic & have rendered me at risk for homelessness.
I am an xxxxxxxxxxxxxxxxxxxxx American woman, and the treatment I have experienced in the abuses and damage I have endured are unconscionable.
The only way I know how to protect myself from such predatory actions is to use social media.
I look forward to being able to tell my readers connections and followers that you came to the rescue, ordered immediate Temporary housing for me and Immediate demolition and remediation that was not done in February 2019, along with immediate restoration with water damage mitigation & consequent mold damage remediation completed.
It is unfortunate to realize that had I paid the $7000 cash advance to your preferred vendors for a roof- Bypassing insurance – That I would’ve had a roof and none of this extra destruction and damage… which is beginning to look like a pattern of retaliation.
I look forward to a speedy resolution.
You can reach me at xxxxxxxx [or follow my blog and posts on social media]
Thank you.
Cordially Linda Ayres
I just sent the above email to the CEO of the insurance company involved in this drama and destruction since February 2, 2019.
Well, the executive complaint department told me it was the CEO’s email address.
Their #PreferredVendors escalated a $10,000 roof replacement claim to over $100,000, not including personal injuries sustained, and there is an estimate additional $50,000 in work to be done, that was done inadequately and incompletely in February 2019, plus loss of use for next phase of repairs, and loss of use and dangerous of being in the consequent toxic environment since the end of June.
If the playbook runs true to the ones they use in WorkComp, I’ll probably get a call from the manager, sad and sincere demeanor, offering me $10k to get lost. I sure hope I’m wrong on that. I’m getting such a bad case of PTSD!!!
It took 5 expensive mold tests, most grossly inadequate and not for the entire property, to find a legitimate and comprehensive environmental hygenist who understands the gravity of having no roof protection for over 40 days, and incomplete and and inadequate remediation.
I could be an honorary mold-expert now with all the time and money spent trying to track down the bad stuff, and connecting the dots to the bad guys.
Coincidentally, the adjuster, who had gone quiet for days after telling me essentially, ‘tough luck – not our problem’ —happened to call a few minutes after I fired the email to the address I was told today was to the Chairman and CEO of the Insurance Company.
Do YOU know what kind of mold testing is required for legitimate and comprehensive results after water damage, particularly if the roof has been missing for over 40 days of rain, wind, hail, snow and storms? More details soon.
Any roofers out there have any opinions on the quality of workman ship pictured below? It’s a temporary tarp, installed by Insurance Company dispatched #PreferredVendor during a stormy, rainy, wet, windy snowy in February 2019
After the vendor left the site, I called back and said, “OMG, WATER IS STILL POURING INTO THE HOUSE EVERYWHERE — LIKE A FAUCET! What should I do now?”
I’ll never forget what the #Preferred Vendor told me. He said, ‘Lady, it’s a temporary tarp. Just let the water damage everything and the insurance company will cover it all.’ NO KIDDING, HE REALLY SAID THAT AND THE ADJUSTER DIDN’T SEEM TO MIND EITHER.
What would YOU do if an insurance company #PreferredVendor asked you for $7,000 cash if you wanted a roof soon, and when you shared that you didn’t have $7K buried in the back yard and that you had great insurance, your home was then systematically destroyed by their refusal to replace the roof for over 40 days. Inadequate and incomplete water damage mitigation created a toxic environment.
None of the #PreferredVendors were willing to provide any info on costs or whatever directly to the insured, as they had to ‘get approval’ from the insurance company to disclose anything, including estimates for fixing the mess they created?
So, if you wonder how insurance rates escalate, that might be a factor, huh?
If you know something, #PostSomething because #WeAreTheMediaNow
Does your #HomeOwners #InsurancePolicy cover unmitigated water damage and consequent #Bioterrorism by insurance company #PreferredVendors or does it have to be reported to DHS?
This blog will be a one-day-at-a-time work of social media art, and #VirtualCombatSkills. I’ve been saving some social media posts for you, hoping it wouldn’t come to this. It has.
NOTES, RESOURCES AND OTHER RECOMMENDED READINGS AND COMPLAINT SITES focused on national complaint and resolution sources and California. If you are in another state, share your resources!
Why it’s Smart to Avoid Unscrupulous Restoration Companies
In emergency situations, it’s normal for property owners to be traumatized, confused and very anxious to hire a restoration company right away to get the clean-up started immediately. So, it’s no surprise that after a fire, flood, or other severe damage strikes a home or business, companies you may never have heard of show up immediately to take advantage of the crisis.
CSLB’s complaint process is designed to protect the public in matters pertaining to construction and to assist in the resolution of construction-related complaints. CSLB addresses violations of California Contractors License Law, whether the contractor is licensed or unlicensed, for up to four years from the date of the act.
Here’s the LEGAL SELF HELP course I recently bought… haven’t finished it yet, but it has already helped me understand what’s really happening in the world of law, in these United States of America.
“MISSION STATEMENT: To promote peace and prosperity through greater public understanding of the Rule of Law and the principles and practices of Due Process.”
If you buy the course, please use my affiliate link/… it could help me fund necessary mentoring to move things forward in my own situation, and keep this blog moving. Learn more here. tinyurl.com/WinWithoutLawyers —
Comments on this blog are open at this time. If you have a similar experience, or if you have strength and hope to share with those who do have a similar experience, comment and share.
If not you, then who?
If not now, then when?
#TranscendCensorship – Subscribe and Share
Build your email lists…. and continue to #DodgeTheRadiation and #OccupyVirtually
PS Subscribe to and Share this blog. If you appreciated Ask About Workers Comp Gravy Trains, you’ll love this one x 10! The battlefield similarities are uncanny.
My hope and prayer for this blog series is to be able to conclude it with a nice happy ending and notice that ‘the parties reached resolution, subject to a confidentiality agreement’ and my home, health and life was restored to pre-loss condition. Furthermore, I hope that you may be inspired to #FightBack when your civil and human rights are violated, or when #GreedGoverns business practices in your town.
If you know something, #PostSomething because #WeAreTheMediaNow
Does your #HomeOwners #InsurancePolicy cover unmitigated water damage and consequent #Bioterrorism by insurance company #PreferredVendors or does it have to be reported to DHS?
Workers Compensation battlefields and ‘mash units’ are solid preparation and training for fighting for your home if destroyed by unscrupulous vendors and systems, where evidence does not matter, and profits before lives is the pattern of practice.
When you think of “dirty contractors” consider what injured workers too often deal with when sent to “dirty doctors” and you’ll begin to connect some dots.
The State of California – Department of Insurance just enacted a protective law/moratorium to encourage insurance companies to lean more toward doing the right thing than cancelling ‘high risk homeowners’ in fire areas inadvertently. Details here https://twitter.com/WorkCompLinda/status/1202660411327139840?s=20
Let’s hope they also #JoinTheFight against #FinancialTerrorism and #BioTerrorism by insurance company #PreferredVendors …. Unmitigated water damage from a roof not replaced for 40 days or more can cost your home and your health….. #FightBack!
This blog will be a one-day-at-a-time work of social media art, and #VirtualCombatSkills. I’ve been saving some social media posts for you, hoping it wouldn’t come to this. It has.
NOTES, RESOURCES AND OTHER RECOMMENDED READINGS AND COMPLAINT SITES focused on national complaint and resolution sources and California. If you are in another state, share your resources!
Why it’s Smart to Avoid Unscrupulous Restoration Companies
In emergency situations, it’s normal for property owners to be traumatized, confused and very anxious to hire a restoration company right away to get the clean-up started immediately. So, it’s no surprise that after a fire, flood, or other severe damage strikes a home or business, companies you may never have heard of show up immediately to take advantage of the crisis.
CSLB’s complaint process is designed to protect the public in matters pertaining to construction and to assist in the resolution of construction-related complaints. CSLB addresses violations of California Contractors License Law, whether the contractor is licensed or unlicensed, for up to four years from the date of the act.
Here’s the LEGAL SELF HELP course I recently bought… haven’t finished it yet, but it has already helped me understand what’s really happening in the world of law, in these United States of America.
“MISSION STATEMENT: To promote peace and prosperity through greater public understanding of the Rule of Law and the principles and practices of Due Process.”
If you buy the course, please use my affiliate link/… it could help me fund necessary mentoring to move things forward in my own situation, and keep this blog moving. Learn more here. tinyurl.com/WinWithoutLawyers —
[Watch for the blog on the dreadful and expensive experiences with local lawyers that may make you wonder how they graduated from high school let alone got a license to practice law!]
If you understand what Dr Graves teaches, my blog on the subject of Homeowners Insurance, Contractors, Water Damage – mitigated and unmitigated, Roof protection and replacement and mold toxicity caused by insurance Company #Preferred Vendors may make more sense, as I learn more. If you do get the course, let’s build a study group on LinkedIn? Email me…. WorkCompLinda@gmail.com
Share it with your friends and neighbors; it might even help you understand the tactics behind the #IMPEACHMENT CIRCUS.
Do your own research; draw your own conclusions and remember remember…
Comments on this blog are open at this time. If you have a similar experience, or if you have strength and hope to share with those who do have a similar experience, comment and share.
If not you, then who?
If not now, then when?
#TranscendCensorship – Subscribe and Share
Build your email lists…. and continue to #DodgeTheRadiation and #OccupyVirtually
PS Subscribe to and Share this blog. If you appreciated Ask About Workers Comp Gravy Trains, you’ll love this one x 10! The battlefield similarities are uncanny.
