LETTER E-MAIL TO STATE FARM INSURANCE ADJUSTER GORDON LIU
May 29, 2020
Dear Mr. Liu:
Good morning.
I am writing to you in behalf of my daughter, Miriam Buensuceso.
She had filed a claim for secondary damage for a sudden hot water leak.
State Farm denied the claim on account of the video presentation and statements by
plumber, John Titouah to the effect that there is no leak in the slab but a suspected leak
under the foundation. That is false and absolutely fraudulent. I have reported this to the
San Diego Mira Mesa Neighborhood Watch Officer Christina Santos and to the local
San Diego FBI in charge of internet fraud and white collar crimes.
Now, please consider these facts related to the video presentations
and statements relayed to you by the plumber, John Titouah :
1. John Titouah, the plumber, was sent to us by First American Home Warranty Insurance
not by you, State Farm Home Insurance. He is not your employee.
You have not shown any legal business or professional dealings working
with him to support your manifestations of trustworthiness toward him.
According to business reviews he had a very bad reputation.
NOTE: HOW COME YOU TRUSTED JOHN TITOUAH?
2. John Titouah had conducted a leak detection test some 4 days ago before
May 5, 2020 using sophisticated leak detection instrument.
3, John Titouah as an expert on his field and aided by sophisticated leak
detection instrument knew where the leak is and how to fix it.
4. We told John, the plumber, just fix the leak. Other option he is suggesting is
re routing the leaking line where we have to pay him an extra
$3600. In other words, he will get payment for insurance coverage
and $3600 from our pockets. We declined the option of rerouting
the leaking hot water line and told him just fix the leak because it
will be well taken cared of by our insurance coverage from
First American Home Warranty Insurance.
NOTE : IF JOHN DID NOT WANT TO FIX THE LEAK HE SHOULD
HAD DECLINED DOING THE WORK SO THAT WE COULD
HAD THE CHANCE LOOK FOR A PLUMBER WHO COULD DO
THE FIXING OF THE LEAKING HOT WATER LINE FOR US.
5. On May 5, 2020 about 3:00PM he came with two helpers and took out of the
his service van a mighty jackhammer only. No butane gas canister or
soldering torch or copper pipes and connectors or soldering gadgets.
NOTE : THIS IS A CLEAR SHOWING OF HIS INTENTION NOT TO FIX THE
LEAK BUT JUST TO EXCAVATE THE CONCRETE BECAUSE IF HIS
INTENTION IS TO FIX THE LEAK, HE COULD DO IT BY HIMSELF
BRINGING WITH HIM SIMPLE ELECTRICAL MASONRY HAMMER
AND CHISEL, COPPER PIPE, COUPLING/CONNECTORS AND
SOLDERING MATERIALS. IT IS JUST A SIMPLE LEAK REPAIR
AND A COUPLE OF HOURS DOING IT IS LONG ENOUGH.
6. When John and his helpers began working I noticed that they wanted to see
where exactly the seepage of water oozing from.
7. I asked John, "Is the valve to the water heater full way open?"
He responded "It is not my house..."
I said I will check it . He replied OK ....lets check it together"
8. We went to the water heater valve and he showed me gestures of opening
the valve...and asked me "Is this fully open?"
I replied, "Let me check it." I said, "Yeah, yeah"....
I pretended to agree with him but actually it is just slightly opened.
I knew how it feels wether the valve is fully open or not, being a
petroleum refinery operations and maintenance man for 25 years.
9. John started digging using the jackhammer excavating half a cubic foot
of concrete until to a depth of six (6) inches where he stopped,
and looked rattled.
10. John instructed his helper to open up the hot water side of the nearby
kitchen faucet. He said with a loud voice..."Hotside....hotside...."
His helper responded in the same manner..."Hotside...Hotside"
11. My daughter is in the kitchen that time and she asked the helper...
"What are you doing?..."
The helper responded, "He (meaning John) told me to open the faucet..."
NOTE : OPENING THE FAUCET RESULTS TO RELEASING THE PRESSURE OUT.
THE FORCE TO PUSH THE WATER OUT OF THE LEAKING PIPE IS GONE.
If you wanted to hear the audio taken out of the video I have them
attached to this e-mail for your careful analysis.
12. Then the commotion stopped and John restarted digging again far away from
the point which bother him so much.
NOTE : IT IS TO MY OBSERVATION AND ANALYSIS OF THE VIDEO WE TOOK
ON MAY 20, 2020 THAT HE HAD SEEN THE LEAK ON THAT POINT AND
REMEDIED IT BY OPENING THE HOT SIDE OF THE KITCHEN SINK
FAUCET AND INTENTIONALLY HIDE THE LEAK FROM US.
13. After digging another, more or less, a cubic foot of concrete with a depth of
only 4 to 5 inches John stopped and told us ..."I can not go deeper beyond
that...that is the most he can do".
14. John set up his cell phone camera and send a video message to someone
whom I did know during that time...saying "I have dug 10 inches
of concrete and found no leak but leak under foundation."
These statements by John had been reflected by you in written
letter of denial. Now we know it is you on the other side of the phone.
15. Let me inform you that the video presented to you by John is rigged. Why?
a. Valve to water heater is just slightly opened. I inspected it.
b. Hot side of the kitchen faucet is opened thereby he took
the video message to you with a hot water line devoid of pressure.
c. Therefore, no ACTUAL leak in the slab could be seen.
16. On May 5, 2020 after the video presentation by John while we are using
the hot water line intermittently, meaning we open the valve to the water
heater when we need it, then closed it afterward, we noticed air bubbles
coming out 6 inches down of the vertical hot water pipe.
NOTE : NOW THAT THE PIPE IS EXPOSED AND PRESSURIZED, AIR
BUBBLES FROM THE LEAK OF THE PIPE CAN EASILY BE SEEN.
17. On May 7, 2020 we took video of the air bubbles oozing of the
hot water line. We took also the video of depth and width measurements
of the excavated concrete which proved John Titouah had misrepresented
and fraudulently lied to you.
18. On May 20, 2020, the air bubbles from the leaking vertical pipe turned to be
a visible leak and it is not a leak under the foundation but a visible leak in the slab
which is intentionally and deliberately hidden by John to you and to us. We took
video of this. If you want to pursue a criminal case against John Titouah which
you should, to deter this kind insurance fraud, I am willing to send you the needed
documentation in my pocession through your legal department. Failure on your
side to take action against John Titouah is prima facie evidence that you might
be a party to it.
19. It is to my opinion that WE should be one in getting rid fraudsters out of our
community. PLEASE HELP OUR COMMUNITY.
SAVE SAN DIEGO FROM FRAUDSTERS.
20. I will provide copy of this e-mail to the STATE FARM insurance higher management
and to concerned police authorities to fulfill my civic duty to promote peace, justice,
fairness, safety and security in our community.
21. I look forward to a favorable response from you.
Yours faithfully,
Antonio L. Buensuceso
ATTACHED AUDIO FILE : "HE ASKED ME TO OPEN THE FAUCET
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JUNE 20, 2020
GORDON LIU
STATE FARM HOME INSURANCE ADJUSTER
RE: Claim Number 55-06C6-44X
Policy Number 77-C3-B499-7
Date of Loss : April 26, 2020
Dear Mr. Liu:
CONTINUING APPEAL FOR RECONSIDERATION
1.May I most respectfully request you to send me your letter attached to an e-mail,
so that I can read it immediately after you sent it to me. It would save time for both of us.
Last June 15, 2020, I requested an update about our claim. You responded
"I prepared and sent a letter out on Friday, 6/12/20." However, as I checked the envelop
where your update letter was enclosed it was postmarked dated June 16, 2020 ...
that is 4 long days after you wrote that letter...and another 4 days for the postman
to deliver it to my address on June 20, 2020. That is 8 long agonizing days where
we can do it in a day or two as we have done last May 6, 2020.
2. May I beg for your indulgence. Could you please come and see actually my side
of the story. I have the excavation vandalized by John Titouah preserved for you
to investigate. You can take actual measurements of it, and compare it to the records
provided to you by John Titouah. Then, I will show you videos on my possession so
that I may help you form an objective and impartial view of this incident.
Kindly send me a message through my e-mail what day and time you will be coming.
Yours faithfully,
Antonio L. Buensuceso
GORDON LIU
CLAIMS SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06C6-44X
Policy Number 77-C3-B499-7
Date of Loss : April 26, 2020
Dear Mr. Liu:
1. May I most respectfully inform you that it had been 3 days shy away from 2 months since April 26, 2020, when we had a slab leak, our family had been undergoing stress, pain and suffering and worse the insurance which we thought we could rely on in these times of necessity turned its back on us, and worst, instead of conducting impartial investigation on our complaint against John Titouah in the grounds of fraud and gross misrepresentation by sending you a rigged and falsified video message presentation and untrue statements being he could see no leak but a presumed leak under the foundation, you without any further investigation adapted his fraudulent claims, a couple of times. You did not even verify and check and validate those information, if in fact, are true. And, the best place to check on these information is by doing your investigation not on your table but in the site where the event actually happened.
2. That is why we have the diggings vandalized by John Titouah preserved for you to take measurements and observations, including molds and fungi which based on your conjectures are really present relating to the the secondary damage that sudden slab leak done in our house and see the videos and pictures evidences in my possession of John Titouah's fraudulent acts. This is a help I am offering to you for you to arrive at an informed, objective and impartial outcome in your decision.
3. My plea remains, please write through my email address the day and time you will be coming.
Then, we may have a personal exchange of views regarding this matter after which we may talk over the phone some minor or trivial details.
Yours faithfully,
Antonio L. Buensuceso
NOTE : GORDON'S REPLY IN TRIPLICATES
JUNE 24, 2020
GORDON LIU
CLAIMS SPECIALIST
STATE FARM HOME INSURANCE
JUNE 24, 2020
RE: Claim Number 55-06C6-44X
Policy Number 77-C3-B499-7
Date of Loss : April 26, 2020
EMAIL LETTER OF GRATITUDE
1. May I most courteously express my sincere feelings of gratitude for your understanding of our predicament that though late for almost a couple of months after the date of loss, at least this time you will be moving out of your office to pay us a visit and personally look at our problems and assisting us accomplish required documentations for a valid legal representation for my daughter Miriam and wife Rosalina.
2. With regard to John Titouah, I have talked with him last May 6, 2020, if I remember the date right, in the afternoon and in that instance I told him his fraudulent acts and there is no sense doing business with him, I stressed. I told him, "You can go". We fired him and I am sorry, I could not welcome him into our house ever again. Honestly, I do not want you to be indicted together with him in case I suffer stroke in case you happened to bring him with you in visiting us.
3. Next is the DESIGNEE AUTHORIZATION you advised me to submit:
Thank you very much.
Yours faithfully,
Antonio L. Buensuceso
Claim Number 55-06C6-44X EMAIL LETTER OF INVITATION
TO TAKE MEASUREMENTS DATED JUNE 25, 2020
JUNE 25, 2020
GORDON LIU
CLAIMS SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06C6-44X
Policy Number 77-C3-B499-7
Date of Loss : April 26, 2020
EMAIL LETTER OF INVITATION TO TAKE MEASUREMENTS
Dear Mr. Gordon Liu:
1. Please come not as a plumber but a seasoned claim analyst and just take measurements of the excavated concrete we have preserved for your appreciation. This is how John Titouah vandalized our house and how he abused the trust and confidence we both had on him. Please just show these pictures to him, he need not come with you. With these images I believe he knows why I might suffer a stroke if by chance I see him again or STATE FARM and you may wish to see him behind bars.
2. The next picture PICTURE F1 is the scope of work FIRST AMERICAN authorized John Titouah :
Access pipe enclosed in concrete slab and repair pipe. Not to access the pipe under the foundation.
PICTURE F1
ENLARGED WEDNESDAY, MAY 6, 2020 MESSAGE FROM FIRST AMERICAN HOME WARRANTY SAYING THE CORRECTION TO THE PROBLEM IS TO ACCESS PIPE ENCASED IN CONCRETE SLAB AND REPAIR PIPE AND NOT TO EXCAVATE LEAKING PIPE UNDER THE FOUNDATION. THOUGH I HAVE NOT SEEN JOHN TITOUAH, THE PLUMBER, REPORT ON WHERE THE LEAK IS, BY VIRTUE OF THIS MESSAGE, IT CAN BE INFERRED WITH 100%ACCURACY THAT THE LEAK IS NOT UNDER THE FOUNDATION BUT IN THE PIPE ENCASED IN THE SLAB AS INFORMED AND INSTRUCTED AND ADVISED BY FIRST AMERICAN.
3. The next picture PICTURE B is the portion where John started digging.
PICTURE B
NOTICE THE SOFT CONCRETE ON TOP OF THE LEAKING SPOT AN INDICATION THAT THE LEAKING LINE HAD UNDERWENT A PREVIOUS REPAIR AND COULD BE OPENED UP AGAIN NO NEED OF HELPERS AND THE JACKHAMMER AND BRINGING WITH HIM JUST A SMALLER ELECTRICAL HAMMER AND MASONRY CHISEL WHICH WOULD NOT SHATTER THE FOUNDATION AND THE WATER LINES IN IT. NOTE THAT HE BROUGHT WITH HIM 2 HELPERS AND A MIGHTY JACKHAMMER NOT REALLY TO REPAIR THE LEAKING HOT WATER LINE BUT DELIBERATELY HIDE IT FROM US AND TO INTENTIONALLY ACCOMPLISH HIS OBJECTIVE TO CREATE AN EXCAVATION TO PROVE THAT THERE IS "NO LEAK IN THE SLAB BUT A SUSPECTED LEAK UNDER THE FOUNDATION" GIVING HELP TO STATE FARM TO ESCAPE SECONDARY DAMAGE LIABILITY AND GETTING FROM FIRST AMERICAN A COSTLIER PIPE REROUTE THAN SIMPLE LEAK REPAIR. WOULD YOU BELIEVE HIM IF HE SAYS , THE STATEMENTS AND THE VIDEO LIVE PRESENTATION PRODUCED BY HIM WERE FREE? JOHN DAMAGED OUR HOUSE STRUCTURALLY, AND HARMED US FINANCIALLY AND DEFRAUDED US AND FIRST AMERICAN AND ENRICHED STATE FARM INTENTIONALLY AT OUR EXPENSE. HE MUST BE HOLD ACCOUNTABLE TO THIS WRONGDOING. OUR SOCIETY WOULD NOT BE SAFE WITH THIS MAN ROAMING AROUND DOING WRONGS SCOT FREE.
4. The next picture PICTURE 1A is the resulting excavation after digging done in PICTURE B
and the leaking pipe is almost accessible at this point, but what John did is to excavate farther away from the leaking pipe.
PICTURE 1A
TAKEN MAY 5, 2020
EXCAVATION SECTION 1 ONLY TAKEN AFTER THE COMMOTION ON THE LEAK SHOWING UP ON THE HOT WATER LINE, THEN THEY STOPPED DIGGING SECTION 1 AND CONTINUED DIGGING AWAY FROM SECTION 1 TO SECTION 2 SHOWING DELIBERATE INTENT NOT TO FIX THE LEAK BUT TO JUST TO MAKE AN EXCAVATION USEFUL TO HIS INTENT TO FALSELY STATE THAT HE HAD EXCAVATED A LOT AND THAT HE WAS NOT ABLE TO SEE ANY LEAK AND THAT THE LEAK SHOULD BE FROM UNDER THE FOUNDATION HE STRESSED, FOR THE BENEFIT OF STATE FARM INSURANCE.
5.The next picture PICTURE A shows the excavation by way of vandalism which is not actually needed to access the leaking pipe in the left section (section1) but merely to satisfy his video presentation of no leak in the slab but a suspected leak under the foundation. Please note that the water supply valve to the line is closed.
Please come and see us.
Yours faithfully,
Antonio L. Buensuceso
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JUNE 25, 2020
CLAIMS SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06C6-44X
Policy Number 77-C3-B499-7
Date of Loss : April 26, 2020
EMAIL LETTER OF GRATITUDE FOR SAYING YOU ARE COMING FOR A VISIT
Dear Mr. Gordon Liu:
1. Thank you so much for your kind acceptance of our invitation to visit us.
2. I believe that it would be helpful that our meeting be held likened to an executive session where matters we discussed be held confidential. No video or audio recordings or taking of pictures be allowed to both of us.
3. However, since I invited you to examine take measurements of the excavation made by John Titouah, it is incumbent upon me to allow you to take pictures of the excavation and the corresponding measurements related to it only and those pictures and measurements may not be held in confidentiality.
4. Please, you may come Monday, June 29, 2020, preferably in the morning.
Yours faithfully,
Antonio L. Buensuceso
JUNE 25, 2020
GORDON LIU
CLAIMS SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06C6-44X
Policy Number 77-C3-B499-7
Dear Mr. Gordon Liu:
O.K. It sounds good. We'll see you Monday 29 June 2020 11AM.
My family and I thank you so much for your kind understanding.
Yours faithfully,
Antonio L. Buensuceso
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