Insurance Restoration Advocates of America

02/22/2026

Macomb County Prosecutor Lucido,

You speak of Washington’s commitment to a nation governed by law rather than monarchy. You highlight his belief that no individual is above the law. I concur. ⬇️

The Administrative Checkmate: From 1776 to 2026 – The Unbroken Chain of Control -
https://www.linkedin.com/pulse/administrative-checkmate-from-1776-2026-unbroken-chain-vince-orlando-zw1yc

The most profound way to honor that legacy is not through reflection, but through action. Today, the "monarchy" has been replaced by an administrative and corporate bureaucracy that operates with the same lack of accountability Washington fought to dismantle.

I am presenting you with two clear opportunities to move Macomb County, MI from the "illusion of justice" to the Universal Truth of protection and service. The proof is irrefutable and contained in the links below:

Issue 1: The Administrative Checkmate

We must reverse the actions taken by the Roseville Police Department - Michigan and the 39th District Court to shield Oakland County, Michigan Government corruption. An illegal mental health petition was used as a weapon to obstruct due process. This is the "Bureaucratic Fascism" Washington warned of.

⬇️ FORMAL COMPLAINT: Intentional Obstruction of Due Process
https://www.linkedin.com/pulse/formal-administrative-complaint-39th-district-court-case-orlando-iuffc

Issue 2: Holding Law-Breaking, Corporate Conglomerates Accountable

I am calling for criminal charges against Lemonade Insurance adjusters and executives. They intentionally placed a Macomb resident into fatal circumstances for the express purpose of enhancing profit margins. In this republic, corporate profit does not carry a license for attempted manslaughter.

⬇️ PART 2: The Elimination of Abuses by Big Insurance
https://www.linkedin.com/pulse/elimination-abuses-big-insurance-through-cookie-crumb-vince-orlando-9xh6c

Prosecutor Lucido, if the rule of law requires "honesty and accountability even when history is uncomfortable," then it requires you to face these hard truths today. You have the power to put Macomb County on the map as a sanctuary for Creator-bestowed unalienable rights.

We are counting on you to be a leader of the people, for the people.

ProPublica, The Intercept, REFORM, WDIV Local 4 / ClickOnDetroit — The evidence is public. I’m ready to take this national. Let’s talk about it.

Today we reflect on the legacy of the Father of Our Country, George Washington—a leader defined by both extraordinary courage and profound contradiction.

Washington demonstrated remarkable bravery in the face of overwhelming odds. He led an undertrained and undersupplied army against the world’s most powerful empire, repeatedly placing himself in danger and persevering when failure seemed inevitable. His resolve helped secure independence and laid the groundwork for a new nation governed by law rather than monarchy.

Equally important were his ideals. Washington believed that power must be restrained, that leaders serve the people, and that no individual is above the law. By voluntarily relinquishing authority, he set a lasting precedent for accountability and constitutional governance—principles that remain central to our justice system today.

At the same time, Washington’s legacy is not without serious fault. He fought for freedom while enslaving others—a contradiction that cannot be ignored. Although his views evolved later in life, slavery remains a profound moral failure in both his personal history and the nation’s founding. Confronting this truth matters, because the rule of law requires honesty and accountability, even when history is uncomfortable.

As prosecutors, we are reminded that justice demands courage—not only to uphold our ideals, but also to face hard truths. Honoring history means learning from both its achievements and its failures, and committing ourselves to a more just and equal future.

02/19/2026

FORMAL NOTICE OF INTENT TO FILE MALPRACTICE & CIVIL CONSPIRACY CLAIM – Demand for Insurance Disclosure
Vince Orlando

Multi‑Dimensional Alchemist | Exposing Corporate Corruption through Intellectual Guerrilla Warfare | Justice & Human Rights Advocate |

February 19, 2026

TO: Ron Sollish , Managing Director; Steven Sallen, President/CEO — Maddin Hauser, Hauser, Roth & Heller, PC.

FROM: Vincent Orlando, In Pro Per / Sui Juris

DATE: February 19, 2026

ATTENTION MANAGING DIRECTORS:

This correspondence serves as a formal notice of a high-value claim for professional negligence, fraud, and civil conspiracy. Be advised that the following facts are matters of record and have been documented through physical evidence, sworn testimony, and direct communication:

Direct Participation in Bank Fraud: On-record testimony confirms that United Restoration Disaster Services (URDS) bank accounts were accessed using a "resignation" that was never tendered. Despite receiving explicit written notice of my status as 50/50 majority owner and CEO, your firm facilitated this removal and conspired to cover it up.

Written Notice of Ownership Status and Company Position Pre-Bank Fraud and Identity Theft - https://drive.google.com/file/d/1hj-SBwmnHB6R_wMfuyt-1sI_PYDxtzEj/view?usp=sharing

Per Patrick Stemmler's sworn testimony, Maddin Hauser attorneys assisted him in the illegal removal with the falsified resignation two days after I asserted my ownership and position.

Snippet of Stemmler Sworn Testimony - https://substack.com//p172662176

Orlando Trial Brief Containing Irrefutable Proof, Intentionally Ignored by Judge Michael Warren - https://drive.google.com/file/d/18rfdiZqoXBTUU4jY6l5ZwnTOWiK9mUns/view?usp=sharing

Incurable Conflict of Interest (Special Prosecutor): It is a matter of record that Andrew Creal was appointed as a "Special Prosecutor" to pursue criminal contempt charges in a civil matter while his firm simultaneously represented the adverse party. This is a per se violation of the Michigan Rules of Professional Conduct (MRPC 1.7 & 1.8).

Forced Appointed Counsel, Neal Brand's, Revelation of Andrew Creal's Appointment by Judge Warren as Special Prosecutor - https://drive.google.com/file/d/1n3xziKacs5pxaau1XOd9G52CDkrpJhC7/view?usp=sharing

Tortious Interference with estimated $50 Million Canadian Contract: Your firm and its clients intentionally breached the non-interference clause of the settlement agreement within nine days of ex*****on. This interference with a separate $50 million Canadian infrastructure contract—specifically timed during a period of documented family medical crisis—was a surgical strike intended to cause total financial collapse.

Color of Law Abuses & Retaliatory Incarceration: The orchestration of "unsigned" and "illusory" warrants, coupled with an administrative blackout to prevent the processing of subpoenas for time-sensitive evidence, has resulted in significant civil rights deprivations under 18 U.S.C. § 242.

DEMAND FOR DISCLOSURE:

Pursuant to your mandatory reporting requirements under your Professional Liability / Errors & Omissions (E&O) insurance policy, I demand the immediate disclosure of:

The name of your primary and excess liability insurance carriers.

The policy numbers and coverage limits for the 2023–2026 periods.

Failure to report this claim immediately to your carrier may lead to a denial of coverage for "late reporting," leaving the individual partners of the firm personally liable for the estimated mid-8-figure damages arising from these actions.

Oakland County Corruption Exposed - https://www.linkedin.com/pulse/oakland-county-corruption-exposed-vince-orlando-jz40c

Declaratory Rights as Defined by the Precedent Oakland County Corrupt Players are Illegally Attempting to Block from Public Consumption - https://www.linkedin.com/pulse/declaratory-rights-1776-reset-button-courts-cant-defend-orlando-x1pjc

Illegal Psychiatric Detention as Retaliation - Civil Rights Case with National Implications - https://www.linkedin.com/pulse/illegal-psychiatric-detention-retaliation-civil-rights-orlando-lxquc

An Open Correspondence Re: Federal Intervention for Oakland County Systemic Misconduct - https://www.linkedin.com/pulse/open-correspondence-re-federal-intervention-oakland-county-orlando-zpuzc

CC: * Paul J. Paruk, Regional Administrator – SCAO Region 1 ([email protected])

Michigan Department of Attorney General – Criminal Division ([email protected])

Michigan Attorney Grievance Commission – Ethics & Discipline ([email protected])

Michigan Judicial Tenure Commission ([email protected])

State Bar of Michigan – Professional Standards/Ethics ([email protected])

Oakland County Bar Association – Ethics Committee ([email protected])

In Addition to Other Interested Parties

Respectfully submitted,

Vincent Orlando

In Pro Per / Sui Juris

National Institute of Mental Health NAMI

Governor Gretchen Whitmer ProPublica The Intercept The Oakland Press WDIV Local 4 / ClickOnDetroit

02/19/2026

Macomb County Prosecutor Lucido,

Your residents need your full attention on the problem below.

Revenue is easy for thieves. Let’s talk about the human cost of your "‘AI’ efficiency."

https://www.linkedin.com/posts/danielaschreiber_lmnd-shareholder-letter-q4-2025-activity-7430209285231439872-HxCc?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAE1lwsBWOvphTcS8PMhuG63jS9jrewtxkg

Lemonade markets itself as a humanitarian disruptor, yet uses AI as a digital blackout to circumvent human problem-solving and fundamental civil rights. Documentation proves a pattern far worse than the 'legacy' insurers you claim to replace: You collect premiums with a smile, but when a catastrophic loss occurs, you don't just deny—you disappear.

In Macomb County, MI, via the Macomb County Prosecutor's Office, we documented how Lemonade's MO isn't just a breach of contract; it’s a criminal endangerment life. Using algorithms to block the restoration of safe environments, Lemonade places policyholders into fatal conditions.

The 'Lemonade' reality: High-tech theft disguised as innovation.

The record is public. The transparency you claim as a marketing gimmick is now your biggest liability.

National Association of Insurance Commissioners (NAIC) Michigan Department of Insurance and Financial Services Michigan Department of Attorney General Governor Gretchen Whitmer

Read the full investigation here: https://www.linkedin.com/pulse/elimination-abuses-big-insurance-through-cookie-crumb-vince-orlando-9xh6c

10/22/2025

My name is Vince Orlando, a single father fighting for justic… Vincent Orlando needs your support for We're All We Got Campaign - The Have's vs. The Have Nots

10/05/2025

Systematic Dismantling of Auto-Owners Insurance Bad Faith and Blatant Misconduct

To All Carriers Tagged: Pay Attention

Systematic Dismantling of Auto-Owners Insurance Is Now Public

Insurance Restoration Advocates of America will not tolerate bad faith or misconduct—on either side of the fence. If you end up on the opposing side of integrity from us, we will expose you and every one of your systematic mechanisms for denial and suppression. You’ve been warned.

This is not a dispute. This is a documented pattern of bad faith.

A tornado ripped through Holly, MI. The home was left in ruin. Auto-Owners Insurance denied the claim.

Auto-Owners Insurance Insurance has now responded to my prior email by doubling down on their denial, despite clear evidence of direct and physical loss from a tornado. Their response confirms what we already knew: this was never about policy interpretation—it was about intentional obstruction.

Attached Documentation Includes:
Certified mail intimidation tactics

Improper inspection conditions (27°F on a steep black roof)

Witnessed vandalism during inspection

Delayed inspections and last-minute cancellations

Refusal to allow representation during inspection

Ignored damage documentation and code-mandated full replacement

Copy-paste denial language used to suppress the claim

Systematic bad faith tactics across correspondence

Email #1: Initial Follow-Up
To the interested parties CC’d and blind CC’d: There’s a lot of information here—but if you’re looking for written documentation of bad faith, the proof is in the pudding. Auto-Owners has responded by doubling down on denial despite clear evidence. This was never about money. It was about obstruction. And now it’s public.

Formal Notice of Bad Faith and Blatant Misconduct – Claim #300-0751451-2024
Fri, Oct 3, 7:58 PM (2 days ago)

to M, Ricardo, whisnant.jamie, jeffrey.tagsold, claims, Michigan, Difscomplaints, Electronicfilings, fox2newsdesk, aocat, Rob

Subject: Formal Notice of Bad Faith and Blatant Misconduct – Claim #300-0751451-2024

To all parties copied and blind copied:

This correspondence serves as formal notice that Auto-Owners Insurance Company has engaged in bad faith and blatant misconduct in its handling of Claim #300-0751451-2024. Your response dated October 3, 2025—issued directly after my notice of intent to escalate to the Michigan Department of Insurance and Financial Services —confirms that you are standing by a denial rooted in intentional omission and procedural abuse.

The following facts constitute your bad faith:
Delayed inspection: You forced the Insured to wait over three months for an inspection of tornado damage, despite immediate notice and availability of documentation.

Intentional circumvention: Your field rep arrived an hour early to the March 17 inspection, deliberately excluding the Insured’s contractor from being present.

Improper inspection conditions: You conducted the inspection on a steep, black roof in 27°F weather, rendering any legitimate damage assessment impossible.

Ignored documentation: You were provided with photos, an estimate, and a roof report clearly showing direct and physical loss. You ignored all of it.

Unwarranted denial: You issued a denial citing wear and tear, granular loss, and other boilerplate exclusions—none of which were relevant to the tornado damage.

Unjustified dismissal of code compliance: The roof in question had a second layer and cedar shake spaced decking, which mandates full replacement under code. Your denial disregards this entirely.

Unintentional vandalism: The homeowner witnessed your rep pounding down shingles on a garage roof that was not part of the claim and had no damage—an act of tampering and concealment.

Systematic obstruction: Your certified mail tactic and copy-paste denial language reflect a systematic approach to claim suppression, not legitimate investigation.

Your October 3 response, doubling down on denial after being notified of impending regulatory action, is further evidence of your intent to obstruct rather than resolve.

Next Steps:
We will be filing suit and pursuing all available recourse, including:

Formal complaints to the Michigan Department of Insurance and Financial Services

Referral to the Michigan Department of Attorney General

Licensing board review of your field representative’s conduct

Potential escalation to the Federal Trade Commission and media outlets, Fox News, Alex Kimbrough CBS News ProPublica Lex Fridman Glenn Greenwald Rob Wolchek Fox2's Roop Raj Taryn Asher Fox 2 Julia Avant , etc.

You had every opportunity to correct this. Instead, you chose to entrench your misconduct. The record will reflect your actions.

Vince Orlando

📧 Email #2: Legal Reckoning
We will be filing suit and pursuing every available recourse—legal, regulatory, and reputational. If you are a regulator, journalist, or legal authority reviewing this case, you now have the full record. This is not a misunderstanding. It’s a pattern. And it’s now public.

Subject: Follow-Up: Written Documentation of Bad Faith – Claim #300-0751451-2024

To the interested parties CC’d and blind CC’d:

There’s a lot of information here—but if you’re looking for written documentation of bad faith, the proof is in the pudding.

Auto-Owners Insurance has now responded to my prior email by doubling down on their denial, despite clear evidence of direct and physical loss from a tornado. Their response confirms what we already knew: this was never about policy interpretation—it was about intentional obstruction.

Attached are the full documents, emails, inspection reports, and correspondence detailing:

Delayed inspections and last-minute cancellations

Intentional circumvention of the insured’s right to representation

Improper inspection conditions (27°F on a steep black roof)

Ignored damage documentation, photos, and code-mandated full replacement

Unjustified denial language copied and pasted to suppress the claim

Unintentional vandalism witnessed by the homeowner during inspection

Systematic bad faith tactics, including certified mail intimidation and refusal to engage in good faith

This is not a misunderstanding. It’s a pattern. And it’s now public.

We will be filing suit and pursuing every available recourse—legal, regulatory, and reputational. If you are a regulator, journalist, or legal authority reviewing this case, you now have the full record.

Entire Claim Correspondence and Proof Of Bad Faith and Blatant Misconduct - https://drive.google.com/file/d/1FKCY-O0ZnSYx_O6dueIj_8WyW6G0jd4K/view?usp=sharing

Bad Faith Response In Attempt To Satisfy Legal Requirements For Over Six Months Of Intentionally Ignoring Homeowners Request To Remedy - https://drive.google.com/file/d/1uoFzLL2OCA9REGohsbNRlQIuxjYdieqK/view?usp=sharing

Bad Faith Response Exhibit 2 - https://drive.google.com/file/d/1fWDXGib3wLI0L3GbbPOGgKbroO5DAJv5/view?usp=sharing

Bad Faith Denial - https://drive.google.com/file/d/1q2gJl_TYO1u8rpfUj5gpZQU9WfHNc-kc/view?usp=sharing

Why This Matters:

This isn’t just about one claim. It’s about the systemic abuse of policyholders, especially those without legal representation or corporate backing. I’m documenting every step so others can follow it—for free.

This is movement testimony. This is insurance restoration as forensic truth. This is how we take the future back from greed.

Vince Orlando

Founder – Insurance Restoration Advocates of America

We The People- NTWR

No Taxation Without Representation

PS - Lemonade Insurance, Daniel Schreiber Shai Wininger Conora Dyson Patrick Daly . We're coming for you...

National Association of Insurance Commissioners IAIS - International Association of Insurance Supervisors Insurtech Insights Forbes The Wall Street Journal MSNBC CNN Michigan Supreme Court Michigan Court of Appeals Oakland County, Michigan Government, Oakland County Board of Commissioners Gretchen Whitmer Dana Nessel Better Business Bureau State Farm Allstate AAA Farm Bureau Insurance of Michigan

09/17/2025

[email protected], cpf@michbar.

09/16/2025