Filing Number: 821786
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| Filing Accepted: 5/15/2025 |
| Last/Business Name
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PUBLIC ADJUSTING SERVICES
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First Name |
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| Street Address
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2438 KELLOW CIRCLE |
| City, State Zip
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JACKSONVILLE,
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32216
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| Email Address
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JAXADJUST@GMAIL.COM |
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Other |
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| Last/Business Name* |
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FRAZIER |
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First Name |
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KANDI |
| Policy # * |
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EP8-63B-509999-074-92/7 |
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Claim #* |
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P 220-232502 |
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Attorney is Applicable
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| Insurer Type
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 Authorized Insurer
 Unauthorized Insurer
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| Insurer Name |
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| Insurer Name* |
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LIBERTY MUTUAL INSURANCE COMPANY
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| Insurer Name* |
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| Street Address* |
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| City, State Zip* |
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,
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NAIC Company Code 23043 |
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| Name of individual responsible for violation (if any):*
MOHAMED ADAM (LIC# W888746), BRANDY DEEL (LIC# W290770), TIMOTHY DUFFY (LIC #W120222)
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| Type of Insurance
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Commercial Property & Casualty
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| Reason for Notice
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Unfair Trade Practice
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Claim Denial
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Claim Delay
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Statutory provision(s) which the insurer allegedly violated.
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| 626.9541(1)(i)(2) |
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A material misrepresentation made to an insured or any other person having an interest in the proceeds payable under such contract or policy, for the purpose and with the intent of effecting settlement of such claims, loss, or damage under such contract or policy on less favorable terms than those provided in, and contemplated by, such contract or policy.
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| 626.9541(1)(i)(3)(a) |
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Failing to adopt and implement standards for the proper investigation of claims.
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| 626.9541(1)(i)(3)(b) |
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Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue.
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| 626.9541(1)(i)(3)(c) |
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Failing to acknowledge and act promptly upon communications with respect to claims.
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| 626.9541(1)(i)(3)(d) |
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Denying claims without conducting reasonable investigations based upon available information.
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| 626.9541(1)(i)(3)(e) |
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Failing to affirm or deny full or partial coverage of claims, and, as to partial coverage, the dollar amount or extent of coverage, or failing to provide a written statement that the claim is being investigated, upon the written request of the insured within 30 days after proof-of-loss statements have been completed.
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| 626.9541(1)(i)(3)(h) |
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Failing to clearly explain the nature of the requested information and the reasons why such information is necessary.
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Specific policy language that is relevant to the violation.
Enter all words or phrases (one at a time) that should be used to filter.
Denied release of requested policy information as required in.
627.4137 Disclosure of certain information required.—
(1) Each insurer which does or may provide liability insurance coverage to pay all or a portion of any claim which might be made shall provide, within 30 days of the written request of the claimant, a statement, under oath, of a corporate officer or the insurer’s claims manager or superintendent setting forth the following information with regard to each known policy of insurance, including excess or umbrella insurance:
(a) The name of the insurer.
(b) The name of each insured.
(c) The limits of the liability coverage.
(d) A statement of any policy or coverage defense which such insurer reasonably believes is available to such insurer at the time of filing such statement.
(e) A copy of the policy.
In addition, the insured, or her or his insurance agent, upon written request of the claimant or the claimant’s attorney, shall disclose the name and coverage of each known insurer to the claimant and shall forward such request for information as required by this subsection to all affected insurers. The insurer shall then supply the information required in this subsection to the claimant within 30 days of receipt of such request.
(2) The statement required by subsection (1) shall be amended immediately upon discovery of facts calling for an amendment to such statement.
(3) Any request made to a self-insured corporation pursuant to this section shall be sent by certified mail to the registered agent of the disclosing entity.
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Facts and circumstances giving rise to the violation.
Enter all words or phrases (one at a time) that should be used to filter.
Brandy Deel ignored the fact that this claim had been open and unattended for over 160 days, and she attempted to initiate an investigation to determine whether they would cover this loss , saying it would possibly be denied. Brandy's manager, Mohamed, was requested; his first response to me was:
"Good afternoon, At this time, liability is being contested and will likely be denied unless evidence is submitted to prove negligence against the insured. Please submit your documentation to show the insured is liable for the damages. The statutes referenced below are irrelevant to the claim at hand when you have failed to submit adequate documentation to support the claim made. Please feel free to submit invoices showing where and when work was completed, pictures, technician’s report of findings etc. As you are aware in your capacity as an Independent Adjuster, third parties also must meet a required standard of proof to argue negligence before payments can be made. Without the submitted documentation and given the dispute surrounding liability, this matter will likely result in a denial." With blatant disrespect for our state statutes that adjusters are required to adhere to, he called them irrelevant.
Mohamed continued to be rude and disrespectful in each email, which lasted roughly three days before he denied the claim."
Throughout those three days, he sent 23 emails, telling me 11 times that he was going to deny the claim. I submitted the paperwork he requested to show documents we had, indicating alignment performed on the loss unit. I submitted the document, and he refused to accept it, even though it stated that alignment was performed and an oil change was conducted, which he did not realize was for changing the oil in the differential. The company, Tire Kingdom, put the wrong oil in the differential and performed an improper alignment, causing the vehicle to experience a breakdown due to the differential breaking shortly after leaving the shop. At that point, the insured contacted the shop, which denied ever working on the SUV, even though she had just left and had paperwork. I also sent Mohamed over 10 reviews within the same timeframe that had similar issues with Tire Kingdom and their employees.
Mohamed tried to justify the shop's wrongdoing by creating lies that he could not support. His invoice showed a $0.00 charge on it; however, the customer paid $226 in cash. I asked Mohamed why his invoice said $0.00, and he claimed the customer had a voucher. I asked Mohamed to show me the voucher, and he stated, "The customer does not save vouchers, as they are physical copies traded." I asked him multiple times for this voucher, which he could never produce.
Mohamed stated that I gave him a work order. He wanted an invoice. I explained to Mohamed that this is the original document that was given for the service. Mohamed said that a work order is for work requested; he needed an invoice to show work completed.
I then asked Mohamed if that's true, can he explain to me why his invoice and my work order have the exact same date and time, with the same worker that made it? Did the work get requested and completed within a nanosecond? He could not respond directly, so he stated once again that he was moving forward to deny the claim.
I told Mohamed another issue with his altered document: he will notice my (work order) had Tire Kingdom at the top, and his has the new company, Mavis, at the top. Another issue with the altered documents they gave him.
I also informed him about the dates on his documents, as the timeline is very poorly created. It said on the first day, 12/6/2024, the claimant came to store 4055, and they checked tires & battery for a $0.00 charge. Then the next service said on 12/2/2024, the customer went to store 803; the store told them that they needed to change the oil in the differential and suggested going to the dealer because they could not perform the service. Then the last invoice dated 11/21/2024, store 4055, was for an oil change at a $0.00 charge.
I explained to Mohamed that on 11/21/2024, she had the service performed, and the SUV never drove again; it had to be towed. But it was really concerning that on 12/2/2024, they told her they cannot change her oil, but on 11/21/2024, they changed her oil...
I explained to Mohamed that the oil change on the invoice was for the differential, a service they told the customer they could perform. They put this on the line for the oil change: "Tire Kingdom" Drain Out Of The Oil And Refill It With The Right Oil." They used the oil that would have gone in the engine (0w20) in the differential, instead of the oil for the differential (Castrol BOT 750B), a mistake made by the technicians that caused the failure. They aimed to cover up by saying they never worked on the car and altering the invoice. Tire Kingdom also removed the receipt of the customer's cash payment and zeroed out the charges on their invoice.
Mohamed ignored these facts and said he was denying the claim. He sent me a denial letter referencing an accident; I questioned him about what accident he was referring to but got no response.
The company Tire Kingdom, now Mavis, is self-insured. This claim has been open internally with the company for 160 days, along with a supporting claim number. Tire Kingdom refused to give their insurance carrier's information to allow them to assist in properly handling the claim. The claimant had to hire me to assist with the claim. When I received it, I asked Victor, the director of Tire Kingdom, for their insurance carrier, and he said they are self-insured I explained to him that I still needed to talk with a licensed adjuster to complete this process. He finally gave me over to Brandy Deel, Mohamed Adam, and Timothy Duffy with Liberty Mutual.
626.9541- e. Failing to affirm or deny full or partial coverage of claims, and, as to partial coverage, the dollar amount or extent of coverage, or failing to provide a written statement that the claim is being investigated, upon the written request of the insured within 30 days after proof-of-loss statements have been completed;
f. Failing to promptly provide a reasonable explanation in writing to the insured of the basis in the insurance policy, in relation to the facts or applicable law, for denial of a claim or for the offer of a compromise settlement;
g. Failing to promptly notify the insured of any additional information necessary for the processing of a claim;
h. Failing to clearly explain the nature of the requested information and the reasons why such information is necessary;
4. Failing to pay undisputed amounts of partial or full benefits owed under first-party property insurance policies within 60 days after an insurer receives notice of a residential property insurance claim, determines the amounts of partial or full benefits, and agrees to coverage, unless payment of the undisputed benefits is prevented by factors beyond the control of the insurer as defined in s. 627.70131(5).
I sent statute 626.9541 and explained to Mohamed that a claim cannot be denied 160 days into the claim. That’s when he said the statutes were irrelevant.
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The submitter hereby states that this notice is given in order to perfect the rights of the
person(s) damaged to pursue civil remedies authorized by Section 624.155, Florida Statutes.
Before submitting a Notice using this system, please verify that all text has been entered
correctly and completely. Once the Notice has been submitted, the text cannot be changed
or deleted.
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DFS-10-363
Rev. 10/14/2008
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