First American Property & Casualty Insurance AKA First American Specialty Insurance Company INSURANCE SCAM! TAKE YOUR MONEY AND WHEN IT COMES TO PAYING BACK, THEY DENY CLAIMS!!! Santa Ana California

I contacted First American Property Casualty Insurance Company AKA First American Specialty Insurance Company at the end of June. I had a tenant who left my 3 year old house wrecked, 4 sockets were broken, parts of the walls had serious dents and some of them had holes in it, paint came off in multiple places, drawers were wrecked with drawings on them. Microwave oven had its plastic frame broken off. A double door was broken out from its frame... etc.

The property management company charged the tenant because these were tenant caused damages and obviously does not qualify for a normal wear and tear. I did not get my money, so I ended up paying almost $2,000 from my own pocket to fix everything and had all the receipts to prove as everything was handled by the property management and its contractors. After pursuing my claim through the small claims court and winning the case it turned out that my tenant had no jobs or bank accounts and collection agency hired for this job could not get a cent out of my tenant.

As a last resort I contacted my insurance company:

Martha Florez was assigned to my case and I sent her everything related to this case on the 30th of June. Since then I called her 3 times and left 2 voicemail messages all this over the course of 3 weeks! She did not bother calling me back. So I asked for her supervisor Cindy Van Sickle and I could not reach her either so I left a voicemail. As soon as I left her supervisor a voicemail, Martha Florez called me back and explained that a DENIAL letter was sent to me a week ago. I never received it (turns out she sent it to a different address, even though they have my address on file for years). She stated that this was "normal wear and tear" and a result of my tenants "being dirty". Her supervisor called me and confirmed. They said they do not care what the Prop. Management company said and my claim is DENIED! I wanted ~ $2,200 with a $1,000 DEDUCTABLE!

THEY TAKE YOUR MONEY AND YOU NEVER SEE A CENT BACK!!!!!