4/15/25
4/8/25
This is telling–a State Farm Homeowner’s policy. I have not seen one for Colorado and they never sent one.
4/4/25
2/26/25
Davesha Brown Billing Email Forwarded to Ms. Bailey
2/24-25/25 estimate date
Dora case opened; receipt confirmed and sent to State Farm.
December 2, 2024 this post was started.
- Michele Vanags
So far, this is not a complex complaint. The test of this will be whether or not the respondent seeks further retribution and what an investigation reveals about the reasons and frequency of similar offenses.
On 11/27/24 Ms. Vanags sent–she has admitted as such — a person to my home to criminally trespass. In addition, the pair sought to, and indeed completed the following: eavesdropping, taking photos and videos without permission, engaging in a cover-up (e.g., refusing to identify the on-site offender), harassment, possibly lying to police (again, refusal to identify why and who), mischaracterizing this vendor as a State Farm employee, and violating State Farm’s own privacy policy(ies).
Still, now, six days after the incident, Ms. Vanags and her colleague Karla Capoferri have refused to explain why this occurred and who the onsite offender is. They refuse to apologize and confirm it will not happen again.
Section 10-1-101 – Legislative declaration
The general assembly finds and declares that the purpose of this title is to promote the public welfare by regulating insurance to the end that insurance rates shall not be excessive, inadequate, or unfairly discriminatory, to give consumers thereof the greatest choice of policies at the most reasonable cost possible, to permit and encourage open competition between insurers on a sound financial basis, and to avoid regulation of insurance rates except under circumstances specifically authorized under the provisions of this title. Such policy requires that all persons having to do with insurance services to the public be at all times actuated by good faith in everything pertaining thereto, abstain from deceptive or misleading practices, and keep, observe, and practice the principles of law and equity in all matters pertaining to such business.
(11) “Insurable interest in property” means every interest in property or any relation thereto, or liability in respect thereof, of such a nature that a contemplated peril might directly damnify the insured.(12) “Insurance” means a contract whereby one, for consideration, undertakes to indemnify another or to pay a specified or ascertainable amount or benefit upon determinable risk contingencies, and includes annuities.(13) “Insurer” means every person engaged as principal, indemnitor, surety, or contractor in the business of making contracts of insurance.
(19) “Transact” as applied to insurance means and includes any of the following:(a) Solicitation and inducement;(b) Negotiations preliminary to effectuation of a contract of insurance;(c) Execution of a contract of insurance;(d) Transaction of matters subsequent to effectuation of a contract of insurance and arising out of the contract obligations.
Applicable Statutes
Colo. Rev. Stat. § 10-1-128 – fraudulent insurance acts
(a) Misrepresentations and false advertising of insurance policies: Making, issuing, circulating, or causing to be made, issued, or circulated, any estimate, circular, statement, sales presentation, omission, or comparison which: (I) Misrepresents the benefits, advantages, conditions, or terms of any insurance policy; or
(IX) Misrepresentation shall not be construed where a written comparison of policies is made factually disclosing relevant features and benefits for which the policy is issued and by which an informed decision can be made;
(c) Defamation: Making, publishing, disseminating, or circulating, directly or indirectly, or aiding, abetting, or encouraging the making, publishing, disseminating, or circulating of any oral or written statement or any pamphlet, circular, article, or literature which is false, or maliciously critical, or derogatory to the financial condition of any person, and which is calculated to injure such person;(d) Boycott, coercion, and intimidation: Entering into any agreement to commit, or by any concerted action committing, any act of boycott, coercion, or intimidation resulting in or tending to result in unreasonable restraint of, or monopoly in, the business of insurance;
Colo. Rev. Stat. § 10-3-1104
(XIV) Making or permitting any unfair discrimination between individuals or risks of the same class and of essentially the same hazard by refusing to insure, refusing to renew, canceling, or limiting the amount of insurance coverage on a property and casualty risk solely because of the geographic location of the risk, unless the action is the result of the application of sound underwriting and actuarial principles related to actual or reasonably anticipated loss experience; Colo. Rev. Stat. § 10-3-1104
Whenever the commissioner has reason to believe that any person has been engaged or is engaging in this state in any unfair method of competition or any unfair or deceptive act or practice, whether defined or reasonably implied in this part 11, or has violated any other provision of this title or any rule or lawful order of the commissioner and that a proceeding by the commissioner in respect thereto would be to the interest of the public, the commissioner shall proceed as provided in article 4 of title 24, C.R.S. Any final action by the commissioner pursuant to this section shall be subject to judicial review by the court of appeals pursuant to section 24-4-106 (11), C.R.S. Colo. Rev. Stat. § 10-3-1107
(e) Either knowingly or recklessly makes a false representation as to the characteristics, ingredients, uses, benefits, alterations, or quantities of goods, food, services, or property or a false representation as to the sponsorship, approval, status, affiliation, or connection of a person therewith;” Colo. Rev. Stat. § 6-1-105
Section 18-4-504 – Third degree criminal trespass(1) A person commits the crime of third degree criminal trespass if such person unlawfully enters or remains in or upon premises of another.(2) Third degree criminal trespass is a petty offense, but: (a) Repealed.(b) It is a class 5 felony if the person trespasses on premises classified as agricultural land with the intent to commit a felony thereon; except that it is a class 6 felony if the agricultural land did not have a fence securing the perimeter.
Eavesdropping.
Documents
12/14/24 letter to Fire Underwriting/Vanags, State Farm
11/28/24 Reply to Vanags threat email
12/10/24 email to Karla Capoferri
State Farm Cancel Letter
Images
Additional Persons Involved
April Welch, State Farm
“America,” State Farm
Agent, State Farm, Morrison, CO
Deep Thoat, Denver
Summary of Colorado Consumer Law
State Farm Privacy Policy
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