An Open Invitation to Dance to the Status Quo

Michigan Department of Insurance and Financial Services , Michigan Department of Attorney General , Federal Trade Commission FBI Cyber Division Federal Bureau of Investigation (FBI) U.S. Securities and Exchange Commission john dinardo Gretchen Whitmer Oakland County Prosecutor’s Office IICRC ALE Solutions Lauren Silberberg Shapiro Daniel Schreiber Shai Wininger Adina Eckstein Julia Sigel State Farm Farm Bureau Insurance of Michigan Auto-Owners Insurance Allstate AAA Progressive Insurance Tim Bixby National Association of Insurance Commissioners (NAIC) Ty Sagalow

Ty Sagalow , your book was a fantastic read. It amazes me how you and Daniel Schreiber openly talk about how you scam the American public into paying premiums and delay paying claims. Here's where your model fails. You don risk my client's lives.

I guess I should be forthright with you and stop exchanging niceties. I’m at my wits end with the sacrifice I’m willing to make for you, the biggest benefactor, while you cling to the pennies in your IRA, a financial component under the control of the oppressors. This also benefits me and Rico, and the country at large, as the oppressor's minions, Lemonade has chosen to take in a fight they cannot win. This may have slowed down the process as it pertains to your personal convenience. But you're safe and through Lemonade's intentional gross negligence and willful ignorance, they have exposed the tactics that big insurance has kept subliminal for nearly a century.

That being said, as it pertains to taking you claim individually across the finish line, there’s only so much I can give when one of the “partners” has taken a passive approach, a step back and put the work on the other two partner’s shoulders. Because the abusive tactics imposed at the behest of big insurance are so nuanced, prior to the fumbling of the ball by the newcomer, Lemonade , I look for two things before I agree to take a restoration claim on.

1) I play litigation out in a thought experiment. If I can hand all of the information over to my legal team with the most probabilistic outcome of the top five scenarios being an easy win for those acclimated to the nuances of this corporate by-law laden system, I'll step in. only if

2) the policyholder will make a good partner. I'm not looking for customers. Customers are quick to acquiesce to the carrier's financial duress tactics as it imposes the illusion of a never ending waiting game to do, by law, what the carrier is required to do. Its hard for me to stand by and watch the homeowners get slapped in the face by the carrier and still fall short of having the ability to bring their property back to its pre-loss condition.

You seemed, and still do seem to be a strong ally in this regard. I know that the tides have turned to make this more complex for us and more detrimental for Lemonade . In the grand scheme of all that is, the fight that we've been charged with standing on the frontline of is bigger than any of us, and as a spiritual being having a human experience, I have to accept the circumstances that have been dealt us through Lemonade's profit mongering, at the expense of its policyholders. It's time to shift our efforts into making them an example for the world to see.

I know you didn't choose any of this. Neither did I. In a million years I couldn't have predicted that there was a company on the face planet, this egotistical, oblivious and greed driven that it would risk liability exposure that the worst of the worst carriers wouldn't expose themselves to under even frivolous circumstances. This company, having sent out three of its own contractors, an independent adjuster, an engineer and an environmental specialist, all of which agreed with the same source and outcome for the damage to your home that literal school children did, and the same assessment that I had upon inspection, yet they still have notr paid a dime toward mitigation, nor a penny toward your rebuild. To top it off, they can't and hgave not denied you, but still refuse to pay.

After Ricardo Ambriez 's dive into Lemonade's short history online, I was floored to learn that this is not an uncommon approach to claim's handling by Lemonade , a company that asserts that a bot on a server in Tel Aviv is capable and qualified to asses human loss. That is a bold faced lie and they know it. The under current of that lie is that by using AI as a brick wall to ever having to deal with human issues with a bot that will draw the claim out indefinitely with no emotion toward the human suffering the loss, Lemonade can steal policyholder's premiums without ever having to pay a claim. Its easy to boast enhanced profits when a carrier collects premiums. but refuses to pay a claim.

Lemonade's holdout in paying for the damages where it asserted, via instant message before we began work, the coverages that were available and the caps for each, is bad faith carried out via blatant misconduct. It is a systematic approach to denial and illegal. Lemonade 's half assed approach to claims handling at the behest of profit mongering penny pinchers is a violation of the policyholder's right to life, liberty and the pursuit of happiness, as are the nuanced theft of those rights carried out by big insurance on a daily basis, and unfortunately, but fortunately, for your home, you and IRAA, we have been charged with bringing it, its principals and its investors face to face with karma, at our expense. Such is life.

If you remember, the coverages Lemonade asserted were available to you were never in question until its robot adjuster found out that this would be large loss. Then a human was brought in to attempt a 180 and a possible denial, via technicalities, that has been impossible for it to deliver, due to the textbook nature of your damage.

I realize their attempts to duress you into submission is frustrating. Buy the fact is Lemonade's sloppiness has led to a much greater outcome for humanity. As it pertains to your resilience, you cannot waver under the guise that this great thing that is happening that we couldn’t have planned for humankind, although personally painful to endure, that has the opportunity to create case law that would make life much better for so many other, including us, but one you can absolve yourself of major sacrifice from because you didn’t control its inception, nor its in outcome in its entirety.

That step toward complacency is what has me feeling like the worst manifestation of this is now a slight possibility. I know it won't happen and that we're all suffering nothing more that growing pains, but I wouldn't be my bothers keeper without voicing this. Me and Rico can’t put in effort where the universe is telling all of us, it’s yours to put in.

What I’ve learned through my recent trials and tribulations is that great things truly only come with great sacrifice. There is no other way. There’s no shortcuts. Whatever that great sacrifice is, is different for every person at different levels. Whatever your effort is to put in, you need to do it sooner rather than later.

I understand if you need to do some soul-searching on this. Maybe in that gap of time that you are doing so, something is delivered that takes away the effort that I believe is yours to contribute at this particular juncture. If it does, I think you’re being cheated out of the best possible outcome for you… not in terms of money because money is shit and garbage and it just makes the world and the humans in it worse. But there’s something in your psyche that you’re not going to overcome if you don’t step into this and take responsibility for what your part is, if you want to call yourself a partner and feel good about the benefits of the sacrifice for us and the world at large.

Stop acting like you’re a victim of circumstance. You’re not. If you wouldn’t have agreed to the possible fight that most carriers will put up, I would’ve never done it. Again, I understand that Lemonade is a different type of stupid and abusive animal, but we're here, we're bad motherfuckers and (in my Forrest Gump voice) that’s all I have to say about that.

I didn’t choose this. I didn’t choose to have the most freak thing on the face of the planet happen and have a company for the first time in my history stop the mitigation process, after ghosting us for eleven days. Any other carrier on the face of the planet has a separate mitigation department that would have been riding me for the dry out reports and photos since from day one. Upon completion, which the carrier will push, due to the cost of mitigation, the carrier pays out with very little resistance, as long as the contractor works in compliance with the S500.

Carriers don't handle this process and pay immediately because carriers like pay claims. They do it to protect themselves from the possibility of the permanent health problems or wrongful death suits that policyholders would subject themselves to if a claim weren't mitigated properly and turned fatal. This dumb ass company has confirmed growth from their own contractor and their contractor's requirement for mitigation and Lemonade us still refusing to pay toward your loss, with no ground to stand on for denial, but rather a list of documents that they know you can't provide, while ignoring the person who has them, me, as if they can play dumber than their abusive internal operating procedures have proven Lemonade to be, and this will magically disappear. Excuse my language here, but Lemonade is fucked and it is going to be the example that ends policyholder abuse in America.

I need you to hang in in there and step up where the universe gives you the opportunity to do so. This is David and goliath shit, where I know its hard to fathom a win that benefits the entire population, but just have faith that its coming. I say this only partially facetiously, if I slip on soap, die of some new magical drug overdose, or fall off a ladder, "accidentally," I'm going to need you and Rico to lead the charge in the investigation. I don't die from stupid shit. I've lived through it so many real instances that should've killed me, that anything out of the ordinary or even mundane as a cause of death for me, will, rest assured, be the handiwork of the cowards who kill presidents, but never show their faces.

I’ve long since stepped up into my part, no matter how unexpected or frustrating. I can’t tell you what it is that’s your part, or what part of your psyche is asking you to step up. All I know is you have to start doing it, for yourself. If you don’t, I do fear that you’re going to manifest the worst possible outcome for all of us, as the direct result of your deepest fears; a subconscious manifestation that would not be your fault.

It’s time for you to step your game up. The part of your psyche that’s plagued you up until now is an ego trick that wants to prevent you from getting what’s yours. You earned the best outcome of this when you stepped away from your high-end position, at the upper echelon of professionals in your industry at the Bellagio and came back to Michigan (Business, Politics Sports) to take care of your dying parents; parents who died in the house that Lemonade wants to accept a premium for, but not pay when you call on them.

If there’s a part of you internally trying to convince yourself that you don’t deserve the best outcome, it’s lying to you. You need to tell that part of your psyche to fuck off. It's the ego. The ego is trying to trick you right now Into living on your fucking couch, feeling sorry for yourself and calling yourself an old man, while there’s a world out there left for ______fucking _______ to go fuck. Not in a bad way. In a good way. With champagne and roses and shit. Or skulls and crossbones, whatever. lol.

This is your higher self calling out to you right now saying step your fucking game up homeboy. You’re not an old man, you don’t need to waste away on the fucking couch, a couch that Lemonade is obviously completely fine with being a conduit to an earlier demise on. You got a world out there that needs the compassion that you have to offer still. I’ve seen that compassion firsthand.

I know how you give, even to the point of it being detrimental to yourself. I’ve done that in the past. Those were the lessons I had to learn to get where I am today. This ain’t that for you. This is time for you to receive your gift. It ain’t time to give up.

Me and Rico are doing the best we can under the circumstances. I’ve reached the point, however, in my spirituality where I have to ask myself, is this the same as all the other efforts where I felt forced to manifest the best possible outcome for a person who couldn’t see it for themself, something I know now nobody is capable of doing for another. I don't believe it is.

For this, we got 13 days until that proof of loss is due, a proof of loss that is not legally binding, and is, in fact, not even a factor, considering that your adjuster never advised you of it. Lemonade has provided you with no format of preference because, in my educated assumption, Lemonade never planned on paying real claims. It's set up as a cash grab intended to rob the American policyholder and carrier of monies to be swiftly moved out of the country. With every day that passes, proof of Lemonade is delivered straight from the horses mouth. The damages owed you increase as it does the policyholders that Lemonade has robbed in similar situations to you. The difference for is you have me. The love for my children and desire to promulgate a future worthy of living in for their generation has made me that unstoppable force that even death, I now feel, would only increase my efforts by the population at large. What I feel that we are now a conduit to was written in the stars.

The proof of loss that I brought to their incompetent adjuster's attention means nothing, in regard to Lemonade paying your claim. It's an item that is in every carrier's policy, which I'm confident now Lemonade has copied and pasted most of what it felt would benefit its agenda from the real players in the industry. To assess better what the intentions of this company were, I presented it to see if it would use it as grounds for non-payment, even with the damages from your claim being confirmed by all of its inside sources. Lemonade did just that. Like I said before, Lemonade is fucked.

You know the resources I've had to sacrifice to carry this. We need those resources now. I don’t have the resources to make this happen in the way that it has to now. I don’t want to wait and I don’t think we should. You get to make the decision on how how important those pennies are to you that you’re clinging to. If they’re more an important than pushing this claim along. by all means cling. But right now you have pennies that me and Rico don’t, so if this falls flat as a result of those pennies not being spent to expedite the process, the responsibility for that falls on you. This almost feel rhetorical as I write it and like more a note to the public at large. I guess that's the consequence of associating with me in the battle for truth and integrity to step forth as the guiding force for all humans. Sorry, not sorry.

For any claim that falls flat, the Insured can point the finger all the Insured wants, but the truth will be the truth. That truth is I give up up on nobody that trusts and doesn't give up on me. The other truth is, at the very minimum you have those pennies coming back. So if your choice is to cling, make sure you ask yourself if this is a form of self sabotage that will allow you to sit on your couch and call yourself an old man and fucking die peacefully in accordance with the ego, or if its your higher self telling you its the right thing. I can generate the pennies tomorrow, but it wouldn't be fair to you; it would be supporting fear from you and I know you're bigger than that.

Ask yourself if the sacrifice would give you access to your serenity much quicker than anticipated. If the answer is yes for you, then you’re gonna have to move against your fear and do what you know has to be done. To not do so could lead you to a place of misery that I don’t have the words to explain. But that’s for you to ponder. Not me.

I have a sneaky suspicion that the enlightening pathway is the latter. Every time you say, you’re an old man, I cringe. In my head I’m like “why the fuck is he manifesting the worst possible outcome for himself.” To each their own, but when you say it, I think you forgot who you are.

I know it’s more than punk ass chump change that’s blocking you from what you need to do. This situation in its entirety is a gift from your parents and whoever their communing with up in heaven. But the gift isn’t the money you’ll receive for stepping up. The gift is in the forcing of you into a position where the decision to move against your fear will open up new neural pathways and rid you of the part of your ego that’s been holding you back. I think when your parents got past that pearly gate, they asked the man with the plan, or woman, whatever God is, to please help my son remember who the fuck he is.

I knew it was a gift when I saw how perfectly textbook the damage was and your resistance to even filing a claim, due to your desire to avoid change. I knew this was a spiritual claim to begin with and bigger than all of us. Our resilience as the undercurrent that carries Lemonade's negligence and egotistical leadership into plain view of the public, is going to be the end of it.

I didn’t realize how deep this claim went. Everything I’ve said is out of love. Take it or leave it Do what you wanna do. No judgment on my end. We can go back to niceties after this message, but if I don’t tell you what I see on a deep spiritual level, then I’m not the multi-dimensional alchemist I claim to be. Consider this a pause for station identification. We’re back to our regularly scheduled program now. lol

On the total upside, in the midst of chaos, estranged from the two people I love more than anything in this world, whose future is the primary guidepost for all my endeavors now, I can sit in this little hotel, surrounded by criminals and low-life’s, I’m talking more about the corporate criminals and low-lives, the owners of these mercenary style extended stay hotels and their hired minions, and find solace and serenity in the space I occupy, right here and right now.

Staring into the barrel of the metaphorical loaded gun pointed directly at those I care most about, the gun of big insurance and corporate greed and abuse, designed to scare us into willfully accepting the increase of pressure of the stranglehold the American public has around its neck by the greedy hands of the corporatocracy, I can find solace and serenity in the recognition that the path I’ve been on since birth, and opted to stay on despite the personal consequences, is divine and perfect. This too shall pass, but not a second before the greater good of the moment has been accomplished, against all odds and by any means necessary.

Enjoy the rest of the weekend. On Monday we return the chokehold to Lemonade. Wait until they see the unstoppable force of integrity when it manifests itself in the human bodies of those, who despite the worlds surface flaws, still believe in the inherent goodness of humanity and the prevalence of truth through infinite space time.

I’m just a man with the weight of the world on his shoulders, dancing around, only able to feel the weight equivalent to the shoulder pads in the 90’s style, Color Me Badd suit jacket. I'm about to brush my shoulders off and two-step all over the metaphorical ass of Lemonade . It’s time for you to join the party. There’s ladies checking you out from across the way. Get your ass on the dance floor homie. On Monday, we go hard!!