Ron pulled up in front of the run-down two-bedroom bungalow. It was his third stop today and it looked promising from the information on his claim sheet. The claimant was a single woman, 31 years old, and one of the few that had flood insurance in this neighborhood.
Ron always volunteered to work the lower income neighborhoods. If they did have insurance they needed every penny of it, these weren't people with investments, or even savings accounts, in most instances. So when Ron swaggered in, and he did swagger, he was in the position of making sure they got enough cash to be whole again, or he could make it very difficult on them. Such was the power of an insurance adjuster after a hurricane with a substantial tidal surge.
He had honed his sleazy game and he wasn't above trading favors for a favorable report. His favorite target was attractive single females. He had also had some fun with a few married couples, amazing what people will do for money. At 42, he was a little overweight, not uncommon in men his age. He knew he was well equipped but his personality had limited his success with the women.
As he was organizing his paperwork he saw her step out of the house, the screen door on the small front porch gently slamming behind her. Ron felt like his day was definitely improving when he saw her standing there anxiously waiting for him. He guessed she was about 5'5". She had dark shoulder length hair and was wearing short cut-off jeans with a white sleeveless top, the top couple of buttons undone revealing a nice swell of cleavage. She wasn't thin but also not overweight and he was guessing she had a nice full ass.
Getting out of the car, he approached her with all the professional attitude he could muster. They shook hands as she introduced herself as Gail. Ron glanced around and from the waterline on the house from the flood waters could pretty much assume the extent of the damage. He told her he would need about 15 minutes to look around and she could accompany him or wait inside.
"The AC is out, the damn outside unit was under water," she remarked. "It's not much cooler in the house than it is out here."
"Well you are more than welcome to join me," he said already working his angle. "I feel terrible that you got this water damage. When I saw your claim I postponed a couple of other jobs so I could get out here as soon as possible," he lied.
They walked around the property, Ron taking notes and snapping pictures. Next they headed inside, Ron appreciating her shapely ass as he followed her in. He did the same routine, making notes and taking pictures without really say anything. When he finished they sat at the kitchen table as Ron took out his tablet and started going over the damage he saw and what she could possibly expect the insurance company to pay.
The news was not good for Gail as he explained what would be covered, and after applying her deductible, what she might get a check for. Ron paused to let it sink in, all part of his routine. He watched as her hopeful face lost all of its glow and a tear escaped her eye.
"Shit, there is no way I can afford to fix the house if that is all I am going to get. I really don't know what I am going to do," she confided in him. "I can't live here without making at least most of the repairs, and I don't make enough to rent somewhere and continue paying the mortgage," the tears now trickling down her cheeks.
"Unfortunately, I have seen this happen too many times. I wish I could do something to help you."
"Isn't there a way to write it up so more is covered? I know you mentioned if it was a little worse they could give me more for the damage," she pleaded.
Ron looked pensive for a moment. "That's true," she had picked up on his comments as he hoped she would. "But I could also get in trouble for insurance fraud, losing my job would be the least of it." He saw a glimmer of hope in her eyes.
"Well, what can we do? Should we check the place again, I can't afford a loss like this."
Ron moved in to close the deal. He looked at her, obviously checking her out. He took his time before speaking as she sat there nervously hoping he had something positive to say. "If I set it up so you would get, let's say another $7500.00, would that put you where you need to be?"
"Oh my god, yes! Just tell me how we do it," and she knew from his look what he was expecting. No longer the professional, he was now a predator and she was the prey.
There was an unspoken acquiescence, the silence hung heavy in the room. The whirring of the fans providing the backdrop. "I have a couple of hours to kill, do you want to make a deal.?"
She sat there stunned, taking in what he was offering. He wasn't forcing her into anything, if she said no he would be gone in a couple of minutes. If she agreed, she would come out of the situation with a fixed home and some cash in her pocket. They would be partners in crime. He was taking advantage of the situation and it was up to her oblige him and cheat the insurance company.
"What's your deal?" she mumbled.
"We just spend the next couple of hours doing what I want, whatever I want," he stated firmly.
She hesitated, "OK, within limits." She was quite adventurous with sex as long as it didn't get too weird.
"What, you want a safe word or something," he laughed. "OK, its adjuster, just don't use it too soon. Agreed?"
She shook her head affirmatively. He was kinky, maybe he would go for something more advanced. "How about I let you have your way until you cum, then I get to do what I want?" She saw the interest in his eyes. "Maybe you'll need a safe word," she smirked. If this was going to happen she planned to take it all the way.
"You got it," his voice slightly raspy. This was not what he was expecting but did play to one of his dark fantasies. "Now come over here and stand in front of me."
"Don't think I haven't noticed you checking me out all day. If you think your discreet; you're not"
"I couldn't help it; you have such a sexy body. Nice full tits, and an ass that's to die for. I can't wait to see what else is in those Daisy Dukes of yours."
She stood on display in front of him, waiting. He reached out and took by the hand pulling her closer as he sat in the chair, their knees nearly touching. He ran his hands up her bare arm, her breasts at his eye level and he unabashedly stared at the cleavage and the swell of her breasts presented to him. Then his hands traveled down her arms and over her hips to the outside of her smooth legs and back up again. He ran his finger up the trail of buttons on her blouse and then touched the bare skin revealed by the open buttons. Then he slowly started undoing the buttons. The first one he undid revealed the lacy top of the minimal black bra that she was wearing, the next one allowed him to brush his hand across her bra and open her blouse. She expected him to grab her breasts when instead he sat back and gazed at her. She glanced down to see his cock was already pressed against his trousers.
"Continue unbuttoning your blouse for me," he commanded.
She hesitated only a couple of seconds before undoing the remaining three buttons. She let her blouse hang open feeling very exposed as he sat there staring at her.
"Take it off."
She let it slide down her arms and onto the floor. Her bra barely concealing the nipples of her plump 36C breasts. She saw him smirk as he focused on her hard nipples pushing against the thin material. He reached out and hooked his thumb into the waist band of her shorts, pulling her forward until she stood between his spread legs. He unsnapped her jean shorts and slowly pulled the zipper down. Ron slid his hand inside the shorts and around her until they rested on her ass. He started sliding them down, exposing her panties and he realized by the thin strap of a waist band that she was wearing a thong. He let them fall to the floor as he gazed at her pussy barely covered by the lacey patch of material. He had always been an "ass" man and as sexy as she looked he couldn't wait to see her turn around, his cock growing harder by the second. This was turning out way better than any of his expectations.
"Turn around," his voice reflected his growing excitement.
Gail did as she was told. She turned around, her ass mere inches from his face. Ron caressed her cheeks with both hands, she was amazingly firm for having such a nice full behind. She felt him fondling her ass for a few minutes then she felt him planting kisses all over her abundant cheeks. When he was momentarily satisfied with feeling her up he grabbed her arm and spun her back toward him.
"Lay across my lap, I am going to warm up your ass for you."
Gail did as directed. Lying across his lap, her butt up in the air and lewdly on display, she could feel his large cock pressing into her belly even though he still had his trousers on. His hand moved in a circular pattern across both of her cheeks. She had to admit it felt quite nice. Then, without warning, he brought his hand down in quick slap to her ass. She yelled out, she couldn't help it.
"I am glad you screamed, it turns me on. But no more screaming, I don't need the neighbors over here."
With that said, he proceeded to flail her upturned ass with another dozen swats. She suppressed he need to scream, emitting instead a low moan. Then he gently rubbed her ass as he admired his handiwork, her fanny now a nice pink color. Then he shoved his hands between her thighs, forcing them apart. He massaged her pussy through the barely there material of her thong. After a minute or so he pushed the material aside and rubbed her now moist pussy. Ron inserted a thick finger into her and finger fucked her for several seconds, then forced a second finger into her, he felt and heard her moan. He slowly fucked her with his fingers, she responded by pushing back against them, driving them deeper into her cunt. Then he pressed against her anus with his thumb. She was expecting something like that knowing he was into asses but it still took her by surprise. He rubbed her rosebud with his thumb as his fingers worked on her pussy. I took no more than a minute before she exploded in an orgasm.
He let her relax for a few moments enjoying the aftershocks of her orgasm. Then he helped her up. As she stood there, he slipped down her thong so he could see the beautiful pussy he had just fingered to orgasm. As he could tell by massaging her, she was clean shaven.
"I need you to take that bra off, I have to see those lovely tits," he told her.
