TRUTH . JUSTICE . RESTORATION

MARINE MAJOR SURVIVES CHINA, KOREA AND VIETNAM ONLY TO FACE A DOMESTIC WAR BY FARMERS INSURANCE EXECUTIVES WHO TARGET HIM & HIS DAUGHTER, THEIR HOME, PROPERTY, MONEY AND LIVES FOR PERSONAL GAIN

Farmers Insurance San Diego Branch Claims Manager, David A. Nicholas (below), verifies Major Henry W. Tubbs Jr, his daughter Margo, and wife Margaret, have been abused by those they employ 3-years.

Nicholas relates how his elderly disabled insureds suffered discrimination, abuse, abandonment, trauma and suffering in an unrestored sewage contaminated home, causing sewage to erupt a second time into the first floor of their two story home, despite executive and supervisory claim approvals, and restoration guarantees under their "Superior Service" logo and slogan to "Get You Back Where You Belong."

"Things in life can change like that . . . all that work . . . and it's gone . . . but Farmers Insurance can help you get things back to the way they once were . . . that's why everything we do . . . from the way policies are written . . . to the way claims are handled . . . revolves around getting you back to that point . . . isn't that what insurance is supposed to do . . . hey, wires can short out . . . toasters can catch fire . . . these things happen . . . but with Farmers . . . we can at least get you back to where you belong."

Farmer Insurance national broadcasts promise to "get you back where you belong," but those they employ decide where you belong, restoration or poverty and death for corporate and personal greed and gain, erasing your existence and the promises and debt they owe to vulnerable policyholders to prevent them from securing justice and to make sure those involved suffer consequences for their violence, torture and insider crimes.

Farmers correspondence (left) proves they targeted Major Tubbs, an elderly disabled war veteran, and Margo Ann, his elderly disabled daughter for crime, confirming video testimony (below) by former Farmers Insurance adjustor, Robert Dietz.

These records are irrefutable evidence of a renewed holocaust by insurance executives and those they employ, who like their World War II counterparts, stole lives, homes, personal property, records, policies, claim and settlement monies without conscience for corporate and personal greed and gain.

Our goal is to present irrefutable facts and truth in claim records to secure justice for an elderly disabled insured who has suffered from the decisions and actions of Farmers Insurance executives for 17-years. But they didn't just fail to restore her, they carried out insider crimes, stole her personal property, prevented her from completing her education, and did not pay policy and settlement monies promised, while singling her out for discrimination, when others were restored for their losses nationwide.

Farmers Insurance advertising and policies promise, contrasted with reality, the words and writings of Farmers executives, and the criminal insiders they employed and brought into insureds home, and practice of discrimination, targeting and singling out some insureds from others, and using abandonment, abuse, threats, to leave an elderly disabled insured in deprivation and poverty, which was not her original state when Farmers decision makers took over her life in 1997.

The records you see on this website irrefutably prove how Farmers Insurance came into Margo's life, and took over her home, personal property, policy and settlement monies, education and future. Farmers Insurance decided what kind of life she would have in the coming years without a home, personal property, and the monies owed to her under policy and settlement promises.

You will see records of their clandestine meetings and correspondence with others behind the insureds back to conspire and steal her money and property by placing it in the names of others. You will see how they stole her policies, claim records and personal property to stop her from substantiating the crimes she was suffering, and to secure help, justice and restoration with the help of law enforcement and courts.

These records prove they used insider crimes and never returned her personal property or the insured to a safe restored home and normal life like they promise in their advertising, and in their policies, verbally and in writing in claim records, and in meetings held in her unrestored home.

and denied her restoration under the law to secure Farmers insurance compliance with executive, advertising, policy and settlement commitments with payment-in-full as repeatedly promised to restore elderly disabled insured, MARGO ANN, monies withheld since her original home and personal property losses 17-years-ago when Farmers Insurance came into her home and took over every aspect of her life and future, and abandoned her in poverty and deprivation, and threatened to silence her permanently and put her body where no one would find it.

MARGO could not come forward before now because they took all of her policies and claim records from her when they stole her policy and settlement monies and personal property, but thanks to those who witnessed these insiders crimes when they were committed, she now has some of her former claim records posted on this website for the world to see what they did to her.

Insiders bragged they do this because the elderly and disabled die and no one questions why, everyone expects them to die, and no one cares about the truth, and therefore, Farmers does not have to pay what is owed under their policies and settlement agreement.

Farmers insiders escalated their original losses, and caused them new losses, creating new loss and liability claims under 1997, 1998 and 1999 policies. With your help, MARGO can escape the deprivation and poverty where Farmer imprisoned her, and recover her former life, home, personal property, education and future with her loving family.

Join us in calling upon Farmers Insurance Group to immediately restore and protect MARGO as they promised to do under the policy, and in 1999 with their settlement agreement, from continuing harm, and to prosecute insiders who target and prey upon vulnerable insureds, and cause them so much loss and suffering for so many years for personal financial gain. Insurance policies were not designed to be used to enrich those employed by Farmers Insurance Group.

Thankfully, THE TRUTH is these claim records can now be told, and everyone can see and read for themselves, in Farmers Insurance Group's own words and writings how a billion dollar corporation, its executives, attorneys, adjustors and others, target vulnerable elderly disabled insureds.

VERL EDWARDS, the executive in charge of claims for Southern California at the time this all began, and the San Diego Branch Manager David Nicholas, promised to protect MARGO after her report and substantiation of insider crimes. They came to insureds' home on Thursday, May 29, 1999. They apologized for what insiders did to them, and promised to immediately pay maximum policy coverages to each insured for 1997, 1998, 1999, and a liability settlement agreement to each insured to compensate them for Farmers liability during those year at $500,000 plus interest for each and every year of their suffering and without restorations, 1997, 1998, 1999 at the time.

Edwards and Nicholas had everything insureds owned, and MARGO's claim records, inventoried and locked in massive wooden crates, trucked them away for storage, and placed them in comparable housing as the policy required them to do (Lawrence Welk Resort). What insureds did not know is this has been done to others to increase their vulnerability, cause new losses, control every aspect of their lives, and with the ability to go through their records and property in secret, take what they want, and discard the rest.

The records below are irrefutable prove Farmers held secret meetings in their offices, conspiring to takeover her money and personal property, and later as you will see, they transferred her name and ownership to others to control everything she owned and her only means of proving what they did to her. They bragged how everything they did was to eliminate her and her substantiating records as a witness to their crimes, and eliminate evidence of motive for killing her, because no one will know she was worth millions of dollars owed by Farmers that they did not pay under her policies and settlement agreement. You can help us save her life, and the lives of others today, by publishing these records, and publicly exposing what they did to MARGO and her father, claim records in their own words and writings substantiating their crimes.

Nicholas says: 1) Remove & replace wood flooring, 2) remove & replace carpet, and 3) remove & replace HVAC (their heating and air conditioning system). This letter proves how this work to restore insureds was not done in 1987, 1998 or 1999, stealing three years out of these insureds lives Farmers promised nationwide to protect and restore.

This claim record proves how Farmers executives, managers, supervisors and adjustors, and others employed to restore insureds, knew about the intentional abuse and suffering carried out in secret behind closed doors, using deprivation, abuse and suffering as a means to achieve hidden agendas of personal and corporate gain.

CLAIMS SUPERVISOR ROBERT DIETZ SAYS FARMERS ADJUSTORS DELAY AND DENY CLAIMS LIKE MARGO'S RECORDS PROVE. WHY? HE SAYS THEY PAY BONUSES FOR HARMING INSUREDS

One of the ways Farmers Insurance gets out of paying the claims of vulnerable elderly disabled insureds is to claim they are not insured, such as MARGO. Even though MARGO was verified to be insured by DAVID NICHOLAS and VERL EDWARDS, and many claim records on this website, but when STEVE LINGLEY, BRUCE TRUDICK, KATHY ZAKOCS and CRAIG MARSTON were involved again, and making life and death decisions over insured lives, home and personal property, they started claiming MARGO was not insured in 2002 to never return her personal property, policies and claim records so she would have no way to prove what they were doing to her. You will repeatedly see secret meetings FARMERS is having with others about MARGO's claim monies and personal property.

THESE ARE FARMERS INSIDER CRIMES OR MORE COMMONLY KNOW AS WHITE COLLAR CRIMES.

FARMER INSURANCE GROUP policy defines an INSURED under #9: "means you and the following persons if permanent residents of your household," and why FARMERS went after MARGO to throw her into the street to claim she is no longer insured.

The policy says insureds are: a) Your relatives, i.e., MARGO, the daughter. The record below shows why MARGO was living with her parents. FARMERS insiders kept telling anyone that she contacted for help that she was not insured, and she should be moved out of the house, SEVEN YEARS AFTER SHE HAS BEEN SEEKING HELP AND RESTORATION AS A CONTINUING INSURED WITH LOSSES WITH FARMERS INSURANCE.

The hand-written claim record (left) proves what Robert Dietz is talking about (above) in the video is the truth, his testimony as to what goes on in Washington state, mirrors exactly what was going on behind the scenes in California as the claim record (left) proves in adjustor Kathy Zakocs own words and writings to her supervisor Bruce Trudick, where she records the direct personal involvement of Verl Edwards, the head of Southern California Claims in the claims of these insureds, verifying everything they did to insureds was known about and authorized by Farmers top executives as policy to harm insureds.

ADJUSTOR KATHY ZAKOCS WRITES (LEFT): "I CAN'T THINK OF ANY OTHER SOLUTION, SO PER VERL EDWARDS, PAY CLAIM," 6-MONTHS AFTER NICHOLAS LETTER (ABOVE), AND 3-YEARS AFTER CLAIM LOSS RESTORATION APPROVALS

Verl Edwards personally went to insureds home to verify, 1) their home had not been restored as adjustors claimed, 2) to receive copies of records proving insider crimes with fraudulent invoices being submitted by the adjustor's contractor for payment, 3) he promised to protect them from retaliation for exposing and proving insider crimes, 4) he would prosecute those involved, 5) he approved immediate payment of policy maximums to restore their losses, 6) he offered to pay each insured $500,000 a year plus interest for each year until they are fully restored as a means to acknowledge the wrongs they endured, and to compensate them for their pain and suffering, As you can see, Edwards permitted the abuse to continue, and he did not keep his word, maximum policy payments to complete restorations or his settlement agreement commitments.

FARMERS INSURANCE RETALIATION

The claim record (left) proves retaliation after Edwards promised insureds would be safe, restored and returned to a normal life. It proves Farmers decided to make them even more vulnerable by refusing to renew their policy to not cover new losses caused during restorations, retaliation and insider crimes planned for insureds.

Claim record proves $21,000 was paid under their policies when millions were owed under the Edwards' settlement which included the payment of maximum policy coverages. Zakocs (above) says authority on their original claim losses in 1997 was $70-$80 thousand, proving Farmers did not fund and restore their original losses even though they were approved. They refused to renew to not cover new losses and increasing Farmers liability for planning and carrying out insider crimes.

This claim record, in addition to Zakocs and Nicholas writings (above) prove insureds were intentionally abandoned in their unrestored and contaminated home on approved claims for 3-years, and Farmers paid only $21,000 of the $70-80 thousand approved to restore their original losses leading to new and continuing losses caused exclusively by Farmers.

Claims Supervisor Bruce Trudick bragged to Margo how Farmers only agreed to pay maximum policy coverages, and settlement of $1.5 million to each insured plus interest for each year losses remain unrestored, which was $4.5 million plus interest in 1999, because their attorneys estimated Farmers exposure to insureds was $32 million like a Texas family named Ballard, but Farmers judge would be reducing this amount, and then they would be coming after Margo to silence her.

INSUREDS DENIED EVEN A COPY OF
THEIR POLICIES & LOSS COVERAGES

Agent letter proves how once again, behind the scenes, Farmers keeps their insureds ignorant regarding their policy coverages after losses in 1997, and the new losses and claim Farmers caused them in 1998. We know from claim records that Farmers had approved their 1997 claim for restoration at $70-$80 thousand, but did not fund these monies to restore their losses, and prevent Farmers caused losses in 1998. Carr's letter proves how 3-years after their 1997 losses, Farmers only released $21,000 of the $70-$80 thousand so they could not restore their home, leading new new losses and a second approved claim when Farmers employed an expert who confirmed on video the 1998 losses were cause by failure to restore the 1997 losses.

This agent letter also proves how despite hundreds of employees locally, and thousand of employees nationally, Farmers uses the excuse for denying insureds a copy of their policy and coverages because the regional office is working on insured renewals, as if anyone would believe that a major billion dollar corporation does not have the employee and computer capacity to do renewals and claims at the same time.

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INSURED MARGO STILL DENIED COPY OF POLICIES AND LOSS COVERAGES
BY EXECUTIVE OFFICE IN 2001/2002

This claim record is very important because it clearly shows the games played by Farmers executives to torment and harm insureds. Martin Feinstein's office, the President of Farmers at the time, referred Margo to Zag as the executive supporting Feinstein's office, and in charge of training.

Please note that the date Andy Zag sent a fax to Margo regarding continuing requests to the President's office for a copy of her policies and coverages since they could not be secured locally is May 28, 2001, but the year typed and written in on the cover sheet by Andy Zag is May 28, 2002. Should it take a billion dollar corporation in the business of providing insurance be unable to provide insureds with home and personal property losses a copy of their policy contract and coverages? Depending on the correct date, Margo has been requesting this information for 4-years in 2001, and 5-years in 2002.

Zag's response in writing proves Margo could not get a copy of her policies even from the President of Farmers and the executive they said would be able to do this for her. Zag says, "this is not the official version issued in 1997." There are versions? Margo requested 1997, 1998 and 1999. She could not even get any of them because they would prove that she was fully insured, and Farmers did not want to pay Margo what they owed her under the policy and the Edward's settlement.

Zag says "I am doing this for you strictly as a favor," when he has not provided a real copy of the policy contract covering her losses and restorations. Why would this be a favor and not normal in any loss situation where Farmers people came in and discarded personal property and records damaged in their losses. Farmers said it was too dangerous for insureds to see what they were discarding, and when their policies were no where to be found, as could happen in any fire, flood or tornado, why wouldn't insureds be entitled to an immediate copy of their policy contract and coverages? Because they never had any intentional of honoring their policy contract?

Zag says "if the matter is litigated, you will need to officially request a certified copy of the policy." He admits Margo cannot rely on what he sent her because there are differences, and refuses her a copy of her policies for 1997, 1998, and 1999, unless it is litigated, telling her she has to get an attorney if she wants a copy of the policies covering her losses when she is insured, and the Nicholas letter proves she was insured when he was in charge. Why should she lose her insured status based on whoever she is talking with, instead of what the policy says, except to deny her fraudulently deny her legitimacy as an insured with losses and a settlement monies owed to her. Instead, Farmers continued to abandon her in deprivation. Why? She was told they would see her dead before she is paid what they owe her.

In 2014, the few claim records returned to MARGO prove how Farmers executives knew about adjustor abuse because they were personally involved in every aspect of their claim losses and failure to restore them as promised under the policy, and they did not act to stop abuse when insureds sought out their help believing they did not know about the insider crimes they were suffering, and if these crimes could be proved in the records, executives would stop this abuse. Failure to act, and the claim records in the words and handwriting of Kathy Zakocs and Andy Zag prove abandonment and abuse of insureds is policy to not pay claims targeting the elderly and disabled, because in some cases, their abuse could easily cause death, especially with the full-time care required by Major Tubbs of his daughter and wife. You will see in these records how Farmers insiders did not restore them under the policy, but approved restoration monies, to commit insider crimes and close the claims, and when insureds called the Executive Office, adjustors told them they were just crazy old people that should be ignored. When insureds got the top executive over claims to come out to their home to verify their insider crimes and to secure restorations, they kept the 1997 claim closed, and began paying restorations under the 1998 claim to get around internal time requirements on claims, and to keep the 1997 claim out of scrutiny and an audit to find out about their insider crimes.

Record proves:

1. Farmers liability to insureds 1997, 1998, 1999
2. Policy coverages 1997, 1998, 1999 still owed
3. Home Losses under policy 1997, 1998, 1999
4. Personal Property Losses 1997, 1998, 1999
5. Loss of Use under Policy 1997, 1998, 1999
6. Why Farmers offered insureds a settlement