Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 21 DATED 21OCT20 6:27AM

OCTOBER 31,  2020 LOUIS E. GUENIOT TEAM MANAGER GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 21   EIGHTH TIME, WOULD YOU STILL FORCE US TO ELEVATE THESE ISSUES TO THE DEPARTMENT OF INSURANCE AND/OR SEEK LEGAL HELP TO DEFEND OUR RIGHT TO OUR LEGITIMATE INSURANCE CLAIM COVERAGE? PLEASE BE CLEAR. YES OR NO?  Dear Mr. GUENIOT: MAY I MOST RESPECTFULLY REFER YOU TO: Section 2695.1 Preamble (a) Section 790.03(h) of the California Insurance Code enumerates sixteen claims settlement practices that, when either knowingly committed on a single occasion, or performed with such frequency as to indicate a general business practice, are considered to be unfair claims settlement practices and are, thus, prohibited by this section of the California Insurance Code. The Insurance Commissioner has promulgated these regulations in order to accomplish the following objectives: (1) To delineate certain minimum standards for the settlement of claims which, when violated knowingly on a single occasion or performed with such frequency as to indicate a general business practice shall constitute an unfair claims settlement practice within the meaning of Insurance Code Section 790.03(h); SECTION 790.03(h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices: SPECIFICALLY, (2) (3) (4) (5) (13) (2) Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies. (3) Failing to adopt and implement reasonable standards for the prompt investigation and processing of claims arising under insurance policies. (4) Failing to affirm or deny coverage of claims within a reasonable time after proof of loss requirements have been completed and submitted by the insured. (5) Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. (13) Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement. MAY I HUMBLY AND MOST RESPECTFULLY PRESENT TO YOU AGAIN IN MULTIPLE TIMES THE PIPE BREAK WHICH WE DISCOVERED AND DOCUMENTED AS EARLY AS JUNE 2020 AND COLLABORATED TWICE BY FIRST AMERICAN, FIRST ON MAY 6, 2020 AND SECOND SEVEN DAYS AGO, OCTOBER 24, 2020 IS ON THE PIPE ENCASED IN THE CONCRETE SLAB AND NOT A PIPE BREAK UNDER THE FOUNDATION AND THEREFORE CLEARLY COVERED BY OUR POLICY: CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Saturday, Oct 24, 2020 @ 10:24AM Good Morning, Thank you for reaching out to us in regards to this claim. I apologize for the delay in responding to your message. I have reviewed your claim on your pipe encased in concrete and show that the cash option check was mailed on 6/4/2020 and if the contractor did any damage to your property I would contact them directly to discuss the matter. If you need further assistance, please feel free to reply to this message. Thank you for choosing First American Home Warranty and enjoy the rest of your day. CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Wednesday, May 6, 2020 @ 4:11PM Ms. Brual, All Express Plumbing has been authorized to complete the following repairs. Failure: Leaking water underneath dining room hallway. Correction: Access pipe encased in concrete slab and repair pipe. Have they contacted you to schedule an appointment to complete repairs, or has it already been completed? Please reach out to First American if you need any additional assistance. Thank you. SCREENSHOT FROM VIDEO 2 TAKEN AFTER TITOUAH LEFT SHOWING THE PIPE BREAK WHICH HE CONCEALED FROM US. SCREENSHOT FROM VIDEO 6 TAKEN MAY 20, 2020 THE PIPE BREAK HAD DETERIORATED AFTER TWO WEEKS WHICH TITOUAH CONCEALED FROM US.  QUERY 21   EIGHTH TIME, WOULD YOU STILL FORCE US TO ELEVATE THESE ISSUES TO THE DEPARTMENT OF INSURANCE AND/OR SEEK LEGAL HELP TO DEFEND OUR RIGHT TO OUR LEGITIMATE INSURANCE CLAIM COVERAGE? PLEASE BE CLEAR. YES OR NO?  Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. PLEASE RESTRICT ISSUES AND ANSWERS WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso

820TH PERSUASIVE APPEAL_31 OCT19_TO THE SCP JUSTICIDES_ CHIEF JUSTICE BERSAMIN YOU ARE NOT A HERO BRING YOUR PORTRAIT HOME

1 CERTIFICATE OF SEPARATION FROM LAST EMPLOYER COMPLAINT 2.  MY QUEST FOR SWINDLED  RETIREMENT PAY BY SHELL SWINDLING ITO, SYNDICATED ESTAFA HOT PURSUIT DUTY OF LAW ENFORCEMENT ENTITIES 965counts SEE BELOW FOR THE 965TH   TIME THE REITERATION OF DEMAND PAYMENT OF RETIREMENT PAY WHICH SHELL REFUSED TO HONOR IN THE PRESENCE AND DEEMED APPROVAL OF THE HONORABLE MAGISTRATES OF THE SUPREME COURT OF THE PHILIPPINES GEUS_15MAR16_66th FOLLOW UP_REITERATION OF DEMAND  PAYMENT OF RETIREMENT PAY Dishonest scales are an abomination to the Lord, but a just weight is His delight... Proverbs Chapter 11  v. 1 Retirement Pay Law circumvented by Shell subject to penal provision provided for by Article 288 of the Labor Code of the Philippines.

CHRISTINA SANTOS

CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Saturday, Oct 24, 2020 @ 10:24AM Good Morning, Thank you for reaching out to us in regards to this claim. I apologize for the delay in responding to your message. I have reviewed your claim on your pipe encased in concrete and show that the cash option check was mailed on 6/4/2020 and if the contractor did any damage to your property I would contact them directly to discuss the matter. If you need further assistance, please feel free to reply to this message. Thank you for choosing First American Home Warranty and enjoy the rest of your day. CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Wednesday, May 6, 2020 @ 4:11PM Ms. Brual, All Express Plumbing has been authorized to complete the following repairs. Failure: Leaking water underneath dining room hallway. Correction: Access pipe encased in concrete slab and repair pipe. Have they contacted you to schedule an appointment to complete repairs, or has it already been completed? Please reach out to First American if you need any additional assistance. Thank you. SCREENSHOT FROM VIDEO 2 TAKEN AFTER TITOUAH LEFT SHOWING THE PIPE BREAK WHICH HE CONCEALED FROM US. SCREENSHOT FROM VIDEO 6 TAKEN MAY 20, 2020 THE PIPE BREAK HAD DETERIORATED AFTER TWO WEEKS WHICH TITOUAH CONCEALED FROM US.  BASED ON VIDEO 6 AND FROM THE INFORMATION FROM FIRST AMERICAN WHERE THE PIPE BREAK IS ON THE PIPE ENCASED IN THE SLAB, TITOUAH SHOULD HAVE JUST DIGGED THIS MUCH UNLIKE WHAT HE ACTUALLY EXCAVATED AS SHOWN IN PICTURE A. PICTURE A PICTURE OF VANDALISM  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. PICTURE H SAMPLE PICTURE John Titouah should have just used not a jackhammer but a simple electric hammer and drill to make a hole in the slab to access the leaking pipe in order that to avoid damage to the other pipe systems near to it. PICTURE C HE DID NOT BRING OUT ANY OF THESE MATERIALS FOR PIPE REPAIR COPPER PIPE, MAP OR PROFANE GAS CANISTER, TORCH AND OTHER SOLDERING MATERIALS COULD NOT BE SEEN ANYWHERE IN ALL THE VIDEOS  BUT JUST THE JACKHAMMER AN INDICATION THAT HE INTENDED JUST TO MAKE AN EXCAVATION  AND NOT TO REPAIR ANY LEAKING PART OF THE HOT WATER LINE. HE HAD CONDUCTED THE LEAK DETECTION ABOUT 4 DAYS AGO AND OBVIOUSLY KNEW WHERE THE LEAK IS AND HE SUPPOSED TO FIXING THE LEAK BUT HE CAME  WITHOUT THESE TOOLS AND MATERIALS, REVEALING OBVIOUSLY HIS INTENTION TO JUST MAKE AN EXCAVATION  WITHOUT ANY SHOWING OF LEAK AS EVIDENCE WHERE STATE FARM CAN RELY ON PURPOSELY TO DENY OUR INSURANCE CLAIM AGAINST STATE FARM.