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Fraud and Deception to protect the public good.|
CPCU and SCLA are designations of the Insurance
Industry primarily for those involved in commercial insurances.
The designations CPCU and SCLA typically exemplify a high moral,
ethical, and educational standard, but the case study herein
demonstrates quite the opposite. John R. Pecoraro who was claims
manager during the period of concealment, misrepresentation, and
alteration/presentation of material fact (resulting in what appears to
be rampant fraud) claims to have a CPCU and SCLA insurance endorsement.
We will briefly explore what the CPCU and SCLA people say they stand for
and then use this as a basis to launch a Ethics and Code of Conduct
investigation in both of these organizations with regard to their member
John R. Pecoraro (Aequicap, CastlePoint, Tower Group employed). We
will further use this presentation to contact DBPR (Division of Business
and Professional Regulations) and the State Commissioner of Insurance in
the State of Florida. It would seem that if these organizations
cannot recognize the widespread ethics violations, then maybe they need
to be investigated or exposed for their inequities. That is the
problem with associating with people like Pecoraro. Their bad
behavior rubs off, and reflects on those who support or endorse his bad
From Wikipedia, the free encyclopedia
CPCU (Chartered Property Casualty Underwriter)
Chartered Property Casualty Underwriter (CPCU(R)) is a
professional designation in property-casualty insurance and risk
management. It is the premier designation in the insurance industry,
akin to the
Certified Public Accountant (CPA) for the accounting industry.
Approximately 65,000 people have earned the designation, since its
inception in 1942. The rigorous curriculum includes eight (8)
post-secondary undergraduate-, or graduate-level courses covering topics
such as insurance law, history, contracts, ratemaking, and risk
management, as well as business courses in finance, corporate structure,
CPCU designees are also bound by a
Code of Ethics, and must satisfy
an experience requirement of at least two years of industry experience.
The CPCU designation is administered by the
American Institute for Chartered Property and Casualty Underwriters
Designation holders have formed a professional society, the
Chartered Property Casualty Underwriter (CPCU) Society. In addition
to annual national meetings which serves as a conferment ceremony, the
society has local chapters throughout out the country.
Contact the CPCU SOCIETY
The Professional Association for Chartered Property
www.cpcusociety.org 720 Providence Road Malvern, PA 19355
(800) 932-CPCU (2728) Fax (610) 251-2780 © 2011
The Society of Claim Law Associates (SCLA), formed in 1992, is an
organization of insurance claims people who have earned claims law
American Educational Institute (AEI). Membership in the SCLA has
grown to over 5,000 members in the time since it was founded. The
Society is a not-for-profit corporation governed by a volunteer Board of
Trustees who are elected by the general membership every two years.
Both AEI and the SCLA partners in claims law education are
committed to providing the insurance claims professional with cost
effective educational resources. AEI lays the foundation by providing a
comprehensive course of study in claims law that results in industry
recognized designations and awards. The SCLA builds upon that foundation
by providing its members with continuing educational resources and
opportunities. These resources include a Membership Directory for
networking among members, a Claims Law Guide that includes relevant
claims law information for each state and the District of Columbia
(revised annually), an online library the Reading Room that provides
relevant claims law and coverage articles written by professionals in
the industry, and a direct link to Claims magazine online a monthly
publication dedicated to property/casualty insurance claims
professionals. Each month Claims magazine offers authoritative insight
and analysis that helps claims professionals do their job more
effectively. SCLA members are also eligible for a half-price annual
subscription to the print version of Claims magazine.
The SCLA Annual Claims Conference & Designation Reception offers
claims professionals a claims relevant education program, networking
opportunities, and recognition for having achieved a professional
designation or award from American Educational Institute. The Conference
is open to all claims professionals, but dues-paid members of the SCLA
are entitled to a reduced Conference registration fee.
Everything we do is intended to further our mission to promote
claims professionalism through education.
SCLAs Mission Statement
The mission of the Society of Claim law Associates is to promote
claims professionalism through education, improve the level of
understanding, knowledge, and expertise of its members in the area of
claims law and provide a forum for the exchange of information and ideas
relating to claims law. The Society will help to establish, maintain,
and promote a level of professionalism among its members through its
activities and encourage and assist others to become the most proficient
and knowledgeable claims professionals they can be.
American Institute for Chartered Property
and Casualty Underwriters
720 Providence Road
Malvern, PA 19355-3433
Here is how you can contact "The Institute":
Phone: (800) 644-2101
Fax: (610) 640-9576
Initial CPCU Filing against John R. Pecoraro, CPCU/SCLA,
prepared for mailing June 8, 2011 while standing by in New York awaiting
meeting with parent company, Tower Insurance of New York.
concerning the August 29,
2010 wreck which we outline in launching
the claims manager John R.
Pecoraro, CPCU, SCLA
uses the reference to his
If he indeed went through the training, has the endorsements, and is
held to any
standard of ethics
, then he should be stripped of the
endorsements/licenses that allow him to practice. In this
presentation I bring to you the introductory documentation to initiate ethics
investigations in each of the following: CPCU, SCLA,
Insurance Commissioner/Financial Services Department of the State of
Florida. If these organizations do not recognize the
of conduct issues
, then each of these organizations needs to be examined
for their practices, standards and claims. Surely someone will recognize the fraud and deceit perpetrated in an industry
with out of control management. If their governing bodies do not
enforce the violations cited, then it will be made known to the public,
and as I present the facts within you will see that has already begun.
How this plays out is strictly up to you. You are being placed on
Rough Outline of case:
After the abuse by the runaway, reckless 18 wheeler, the real abuse by a
runaway, reckless claims team began. The claims people under
Pecoraro referred to
herein all represent the runaway/reckless trucker as their assured.
We have been trying to connect with a responsible party of integrity on
their side, but all we get is
John R. Pecoraro
. He clearly does not fit the bill. The team headed at all times
by John R. Pecoraro
it appears began with
widespread abuses, good faith
violations, attempts at fraud and deception
. (The abuses under
Pecoraro's management are outlined clearly on
). Nine months after
the wreck Pecoraro
not investigated the wreck properly and/or handled the loss properly.
His handling constitutes many, many ethics and law violations. Due
to abuses of the claims staff at the hands of the at fault carrier, the victims asked for
management in the early claims process and eventually
multiple violations including but not limited to committing clear-cut
fraud and attempts at fraud, good faith violations, etc.
can/will see Pecoraro not only denies liability in a rear-end collision
that is irrefutable, but he lies to support his frivolous stance.
It was so odd for him to degrade and debase himself so severely in his
introductory email (October 8, 2010
linked at www.FraudDocumentation.com)
I kept him in correspondence
for months including, but not limited to multiple Civil Remedy filings
in the state of Florida.
Look at the filings posted at
. They ALL relate to
Pecoraro's deceptions. To my knowledge John R. Pecoraro
committed fraud in every single Civil Remedy filing
to date on this
case! Isn't this amazing!? The guy takes
a frivolous stance, lies
to support his frivolous stance,
files numerous filings with State
Financial Services Division committing fraud and violations in each,
THEN he puts those in the mail and increases his problems by committing
federal mail fraud. He did all this while keeping his parent
company and subsidiaries in copy and in line for paying the bill on his abuses.
He opened the door to multiple state and federal violations. It is
anticipated that multiple attorney generals, district attorneys, and
insurance commissions will be looking in to this based on my invitation.
This is being escalated to a very high profile very quickly. I am not sure about what you think of your
memberships (CPCU, SCLA
, DBPR, etc), but I already think less of your
members and membership as a result of your affiliation with the criminal
element I have been exposed to using your endorsements. Fortunately, you have options as does his
has put his employers
and Tower Group)
in multiples of unwinnable situations. As it
is/was his job to manage and minimize risk, he has done quite the
opposite and he has mushroomed the risk to damaging countless numbers of
people, entities, and organizations. It is not in our best interest to stop spreading the news
because his bad behavior is reflecting poorly on all
those who affiliate with him and the industry as a whole which you
should hold dearly. This effort to expose Pecoraro and his
associates is in part an effort to protect
you and your organization, but it is largely to protect the public good.
In my opinion Pecoraro
is a menace to society and should be stopped. We have almost
the related correspondences
listed at our website
and if you click on the CPCU/SCLA/DBPR
on the left then you (and the Internet public) will find this
with links to all the
All this information and correspondence is more practical to manage
online in my present condition.
It is much easier to share the news with the masses as well. Yes, this
is being posted live to the Internet for the world to watch and see how
you handle a potential menace to
society dragging your good name down...... Think,
willingly committed multiple acts of fraud. He refused to
even make AN offer for our property damages
the March 2011 correspondence!)
told us if we wanted to
pursue it further we would have to "seek redress" through the court
system!! Is this what you teach your members??
public and then force them in to litigation more than 9 months after a
disastrous wreck with absolute, irrefutable fault?? One
would think this a disaster, but it gets better. He has been warned that law
enforcement, courts, and juries might not look favorably on this.
Meanwhile, you are part and parcel of his abuses because you have
endorsed the person behaving in this reckless and abusive manner.
The case keeps getting larger, and larger, which is EXACTLY what I told
him and his people in my September 19, 2010
October 1, 2010
THEN Pecoraro shows up with his
October 8, 2010
letter and filings to
follow. In Pecoraro's
October 8, 2010
he acknowledges and connects the dots with his parent company,
and others. He
commits fraud and drags his client companies down, while increasing the
losses of the assured, reinsurers, following markets, E&O, etc. Read the
letters! No, I am not nice. I do not feel I have to be nice
to criminals. Our expose will not stop
at Pecoraro if his
endorsements remain in tact.
As you read through the
understand that I am a rattled, confused, and abused wreck victim with
documented "statistically permanent" brain damage from the wreck.
should have handled
his affairs in vastly different manner than he did. In fact, he
should have treated a regular citizen better than he did. Most
citizens might sustain the abuse, and not recognize the material
deceptions. Many claims people who work under him would follow his lead
and they would learn by example to abuse the public as your endorsed
member demonstrates. You owe the public swift action. In August 2010 I was struck and abused by a
trucker, and struck by your member "designee" since. I have been
unable to work, and have every intention to focus on bringing your
member's behavior to the level of exposure such deeds left unattended
should have. After all, if justice is not served, and I cannot
work, I have nothing left to do.............
A brain damage guy with nothing but time on his hands.
In the event that I still have your focus (or my own),
imagine if you will....A once sharp
business/industry consultant is left as a babbling monkey with brain
damage, no income, largely in part to one of your members trying to
perpetrate a fraud and unwinnable situation against a member of the
public. Meanwhile the incompetent and dishonest
member didn't have enough sense to
properly investigate the loss, and/or even inquire as to why the victim obviously
knew a bit about law and application thereof. Your
endorsed member is a
criminal perpetrating fraud as a normal course of business. He is
teaching these abuses downline to his following. Your member has brought
shame on your organizations, and I have no reason not to share this
news. It is actually in my best interest to do so.
As you can see the "risk
management" side of the equation is losing, because exposure gets
exponentially bigger at each round. That is by design.
Exposure naturally increases until someone of integrity and authority
intervenes. This is risk management. What an odd predicament we
find ourselves in!!?? Read the correspondence!! I
gave them all a chance to get out of the way. You now have your
opportunity as this begins to go public.
Oddly, Pecoraro hasn't appealed to higher authority, or
if he has they become liable for his misdealings. The problem I
have often found with dealing with this type of fecal matter is that
eventually they turn on their principles (because they have none) and
take down huge numbers with them. We'll see. The
company/companies have a clear cut scapegoat, and an opportunity to take
care of this privately. Multiple contacts have been made with the
corporate parent concerning Pecoraro's behavior, but no responsible
party has stepped forward. If I cannot get their attention by
private contact, then public exposure may get some attention.
If one is schooled, educated, endorsed, experienced and
they still do ridiculously stupid things, committing fraud, filing fraud
with the governing agency in their state, and mailing their fraud, then
can we consider them an incompetent? or Dishonest? HOW CAN HE BE ENDORSED BY
REPUTABLE GROUPS, and how does this reflect on the group? Who
allowed this, and who allowed him to stay? I am tiring of the criminal behavior of your member. I request and
encourage you to address his issues, and respond to my request.
This kind of reminds me of Roman times where the
criminal was brought to the coliseum to be judged in the arena.
Those were the days! Public displays! Public
displays should help expedite proper handling by all those concerned, but there is no down side to someone with an
absolute win. It is just not too unpredictable.
seeking "redress in the courts" as Pecoraro advocates is not really the
best route, nor the route anyone wants to go, because it is a long slow
road to where we are heading, and who knows what will happen next!?
(See Pecoraro's Email of March 24, 2011, and
my response of March 29, 2011.)
..........As you can see on
September 19, 2010
claims people were advised to notify management, E&O, re-insurers, etc.
was copied and
office acknowledged this in Lowell Aptman's letter.
On October 1, 2010
gross incompetence of the parent office (likely based on Pecoraro's
review???) was addressed to the
CEO of the parent company
. In Pecoraro's
October 8, 2010
introduction he acknowledges both letters (frauds, bad faith, etc) and
commits his own. He was given months and many opportunities to
correct his bad behavior yet he didn't! Read
Pecoraro's March 24/29, 2011 message that was forwarded to
the Board of Directors!
As a result of the disastrous handling of this loss I
have now lost my primary home, secondary home, motor homes (2), motorcycles,
livestock/horses/etc, and a host of equipment and such for my farm while
trying to maintain a lifestyle under the pressures. The effects
are dramatic, and consequential costs to the crimes Pecoraro staged are
incredible. The costs have been enormous, and at this juncture I
have nothing left to lose. I see no reason not to return the favor
to those who have allowed this to happen or who routinely profit from
This may soon erupt into a very large financial nightmare for all
involved. Isn't this how insurance companies traditionally agitate
a victim? Overwhelm them with confusion, paperwork, delays,
discovery, etc.? This is all thanks to your member's consistent
mishandling of a claim for which responsibility and liability is
obvious. The cost to litigate will set new records, and at this
point there is no incentive to settle short of complete destruction of
all connected entities. With ever increasing costs, exposure,
publicity, there are decisions to be made.
I look forward to swift action by all parties, and
early resolution. Otherwise, release the lions into the arena.
P.S. By way of copying the law officers and other
organizations listed below, we ask that each begin their own enquiry as
to the behavior and handling of this loss by John R. Pecoraro and his
staff, and if additional investigations on how this is/was handled by
the corporate parents in New York is required we shall continue,
but it is with hope this can be quickly resolved to the satisfaction of
At the behest of CPCU Ethics/Code of Conduct
Enforcement they burden the offended party by requiring they give the
specific law broken for investigation/enforcement.
Rule 1 of CPCU is offended by the numerous
improprieties, and numerous frauds as outlined clearly in the
Rule 3.1 of CPCU is broken by the numerous good faith
violations of John Pecoraro. Clearly note that after good faith and
fraud violations by John Pecoraro were made aware to him, he remained in
contact rather than referring the loss/case to someone of integrity.
Rule 3.3 of CPCU is broken by the numerous laws and
ethics violations by Pecoraro as outlined in the correspondences and
Florida Civil remedy filings (50+?) at
Rule 4.1 of CPCU is broken by the overwhelming
incompetence of Pecoraro and his staff under his employ.
Rule 4.2 of CPCU is broken by Pecoraro's inefficiency
in attempting to foul the claims and court systems unnecessarily.
His frauds clearly serve to foul the system.
Rule 5.2 of CPCU is broken by Pecoraro's devious
behavior in view of his underlings, thus encouraging devious claims
behavior of his subordinates, which is what initiated the problems we
Rule 6.2 of CPCU is broken by the clear deception,
dishonesty, and concealments leading to frauds which are outside of
everyone's scope in this relationship.
Rule 6.3 of CPCU Pecoraro overstates his authority when
he calls for "redress" in the court system. He is obviously overly
confident in his superiority complex. There are clearly management
positions over this person committing criminal violations within the
Donna Popow, Esq, CPCU/AIC by request; Ethics Counsel
720 Providence Road, Suite 100
Malvern, Pennsylvania 19355-3433
Phone 610-644-2100 Ext 7225
The Society of Claim Law Associates (SCLA)
170 Mount Airy Road
Basking Ridge, New Jersey 07920
The Federal Trade Commission (FTC)
Consumer Protection agency, reference #30414128
The Attorney General
Office of the Florida Attorney General
State of Florida
The Capitol PL-01
Tallahassee, Florida 32399-1050
Office of the State Attorney, 11th Judicial Circuit
Katherine Fernandez Rundle
Felony Fraud Investigations
1350 NW 12 Avenue
Miami, Florida 33126-2111
The Attorney General
Eric T. Schneiderman
Office of the New York Attorney General
Albany, New York 12224-0341
New York State, Office of Attorney General
Public Integrity Bureau
120 Broadway, 22nd floor
New York, New York 10271
Daniel R. Alonso
Chief Assistant District Attorney
New York County District Attorney's Office
One Hogan Place
New York, New York 10013
Special Prosecutions Bureau
NYC District Attorney Office
80 Centre Street, 6th Floor
New York, NY 10013
Director, Frank Orlando
New York State Insurance Dept Fraud Bureau
25 Beaver Street, Suite 542
New York, NY 10004
Chief Financial Officer State of Florida
Florida Department of Financial Services
200 East Gaines Street
Tallahassee, Florida 32399-0322
Insurance Commissioner State of Florida
Office of Insurance Regulations
200 East Gaines Street
Tallahassee, Florida 32399-0322
Insurance Commissioner State of New York
New York State Insurance Department
25 Beaver Street
New York, NY 10004
Department of Business and Professional Regulation
1940 North Monroe Street
Tallahassee, Florida 32399-1027
EightPage.htm Are two copies of the same masterpiece written and
sent to the CEO of Tower Group/CastlePoint and all the little people at
Aequicap, AS WELL as an email request made of the adjuster Keisha Pusey
to forward the mail/package to CEO Michael Lee. This should
demonstrate clear knowledge of the disaster unfolding.
2010.10.8Pecoraro2TW.htm, In this email John R. Pecoraro
introduces himself, commits his first known acts of fraud in writing to
the victims, and sets the stage for his frivolous stance and continue
abuses of the claims systems.
2010.10.10TW2KeishaPuseyALL.htm, Ted Whidden
responds to Pecoraro and others (Tower Group) regarding Pecoraro's
deceptive/criminal stance of October 8, 2010.
Ted Whidden shows in great detail many of the frauds, crimes, and
material mishandlings of John R. Pecoraro and his staff under his
direction. Pecoraro's numerous frauds are revealed to him.
Pecoraro refers to the "disputed viewpoints" and his recommendations for
us to get on with our lives. Pecoraro lines himself out as the
responsible party in the claim, and no doubt the abuses of the claim as
2011.3.24TW2PecoraroTowerGroup.htm, After John
R. Pecoraro insisting there is no alternative to handling this loss/case
other than "redress through the court system", the attached is sent to
Supreme Court ruled unanimously written by Judge
William Rehnquist concerning Hustler Magazine v Jerry Falwell
"At the heart of the First Amendment is the
recognition of the fundamental importance of the free flow of ideas and
opinions on matters of public interest and concern. The freedom to speak
one's mind is not only an aspect of individual liberty and thus a good
unto itself but also is essential to the common quest for truth and the
vitality of society as a whole."
Supreme Court Judge Scalia wrote concerning Pope v
"Just as there is no use arguing about taste, there
is no use litigating about it."
Copyright May 2011, All rights reserved by Ted