Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 6 DATED 1SEPT20 9:58pm

SEPTEMBER 1,  2020 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 QUESTION 6  ARE YOU AWARE THAT MR. GUENIOT SEEMS EXPOSING YOUR NECK ALONE IN THE CHOPPING BLOCK? Dear Mr. Liu: PLEASE SEE, ON DENIAL LETTER DATED MAY 6, 2020 SPECIFICALLY, ON PAR.2 May 6, 2020 You wrote, "As discussed, based on the virtual inspection through my computer on May 5, 2020, the visible damages were viewed, photographed and confirmed. The virtual inspection showed a live stream through the plumber's cell phone and the pipe break was documented." COMMENTS: 1. You wrote, "based on the virtual inspection through my computer on May 5, 2020," THIS MEANS THAT THIS LIVE VIDEO FOOTAGES ON MAY 5, 2020 FED FROM TITOUAH'S CELL PHONE IS IN YOUR COMPUTER AS YOU HAVE DECLARED, ADMITTED AND WRITTEN IN THE DENIAL LETTER DATED MAY 6, 2020. THIS FACT CAN NOT BE INVALIDATED BY ONE, MR. GUENIOT, WHO HAS NO CONFIRMED RECORD TO SHOW THAT HE IS PRESENT AND CLOSELY WATCHING THE EVENT THAT FATEFUL DAY. THERE IS NO RECORD PRESENTED WHATSOEVER UP TO THIS TIME THAT HE IS PRESENT IN THAT MENTIONED OCCASION. IT IS THEREFORE, ONLY YOU, MR. LIU CAN TESTIFY TO  ITS EXISTENCE. DO NOT LET MR.GUENIOT PREVAIL OVER THE TRUTHS YOU HOLD DEAR.  QUESTION 6. ARE YOU AWARE THAT MR. GUENIOT SEEMS EXPOSING YOUR NECK ALONE IN THE CHOPPING BLOCK? 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

Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 5 DATED 1SEPT20 5:34pm

SEPTEMBER 1,  2020 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 QUESTION 5  WOULD YOU LIKE TO DISPUTE AND WRITE REASONS FOR YOUR OBJECTION TO THIS OBSERVATION ? OTHERWISE, THESE OBSERVATIONS SHALL BECOME UNDISPUTED AND NOT OBJECTED STATEMENT OF FACTS. Dear Mr. Liu: PLEASE SEE, ON PAR.4 DENIAL LETTER DATED JUNE 12, 2020 You wrote,  As far as State Farm's relationship with All Express Plumbing and John Titouah, all insurance carriers after a water loss has been immediately contacts and discusses causation and location of pipe breaks. It does not matter which plumber is called, who they worked for, and what they charge, the only way to confirm the Predominant cause of water losses is to contact and discuss the facts of the discharge directly with the plumber who discovered, located, and repaired the leak. In regards to the costs of a re-route, that would be up to the discretion of the Insured. 1. You wrote, "all insurance carriers after a water loss has been immediately contacts and discusses causation and location of pipe breaks..." AND THE COMPLETE EMAIL  WHERE THE MESSAGES ABOVE ARE RECORDED, IS NEXT IN 1. 1.  Claim Number 55-06c6-44x STATE FARM DENIAL LETTERS ANALYSES  AS MANIFESTATIONS OF BAD FAITH JULY 2, 2020 3:06PM             MR. LUI, YOU IMPRESSED UPON US, "all insurance carriers after a water loss has been immediately contacts and discusses causation and location of pipe breaks,..."WHICH IS AN EXPRESS ADMISSION OF THE FACT THAT IT IS A COMMON PRACTICE AMONG ALL INSURANCE CARRIERS TO CONTACT PLUMBERS, DISCUSS CAUSATION AND LOCATION OF PIPE BREAKS. BEING A PRACTICE BY ALL INSURANCE CARRIERS, IT FOLLOWS, THAT STATE FARM BEING AN INSURANCE CARRIER, after a water loss has been immediately contacts and discusses causation and location of pipe breaks IN ALL INSTANCES AND STATE FARM MIGHT HAVE BEEN SOLICITING AND BUYING FALSE AND FRAUDULENT INFORMATION FROM PLUMBERS, PURPOSELY TO DENY LEGITIMATE SLAB LEAK INSURANCE CLAIMS LIKE WHAT YOU DID WITH MY CASE. IT APPEARS TO ME THAT IT HAD BECOME A MODUS OPERANDI BY STATE FARM IN COLLUSION WITH PLUMBING CONTRACTORS TO DENY INSURANCE COVERAGE TO LEGITIMATE CLAIMANTS. QUESTION 4.  WOULD YOU LIKE TO DISPUTE AND WRITE REASONS FOR YOUR OBJECTION TO THIS OBSERVATION ? OTHERWISE, THESE OBSERVATIONS SHALL BECOME UNDISPUTED AND NOT OBJECTED STATEMENT OF FACTS. 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

Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 4 DATED 1SEPT20 5:16pm

SEPTEMBER 1,  2020 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 QUESTION 4  HOW WOULD YOU BE ABLE TO INVESTIGATE TITOUAH WHERE YOU YOURSELF MIGHT BE THE MASTERMIND OF HIS CRIMINAL ACT? Dear Mr. Liu: PLEASE SEE, ON PAR.4 DENIAL LETTER DATED JUNE 12, 2020 You wrote,  As far as State Farm's relationship with All Express Plumbing and John Titouah, all insurance carriers after a water loss has been immediately contacts and discusses causation and location of pipe breaks. It does not matter which plumber is called, who they worked for, and what they charge, the only way to confirm the Predominant cause of water losses is to contact and discuss the facts of the discharge directly with the plumber who discovered, located, and repaired the leak. In regards to the costs of a re-route, that would be up to the discretion of the Insured. 1. You wrote, "It does not matter which plumber is called, who they worked for, and what they charge, the only way to confirm the Predominant cause of water losses is to contact and discuss the facts..." AND THE COMPLETE EMAIL  WHERE THE MESSAGES ABOVE ARE RECORDED, IS NEXT IN 1. 1.  Claim Number 55-06c6-44x STATE FARM DENIAL LETTERS ANALYSES  AS MANIFESTATIONS OF BAD FAITH JULY 2, 2020 3:06PM             MR. LUI, YOU IMPRESSED UPON US, "the only way to confirm the Predominant cause of water losses is to contact,..."WHICH IS AN EXPRESS ADMISSION OF YOU BEING THE PERSON WHO FIRST INITIATED THE CONTACT AND NOT JOHN TITOUAH. THEREFORE, IT IS YOU, MR. LIU WHO NEEDS THE SERVICES OF TITOUAH AND NOT TITOUAH OFFERING HIS SERVICES TO YOU. HAVING TITOUAH PRODUCED A FAKE RIGGED FRAUDULENT VIDEO PRESENTATION  FOR YOUR BENEFIT IMPLIES THIS IS THE PROJECT YOU WANTED TITOUAH TO DO FOR YOU.  CONSEQUENTLY, SURELY IT IS YOU, MR. LUI WHO MIGHT HAVE HATCH THE PLAN AND CONTRACTED TITOUAH TO EXECUTE IT FOR YOU, MEANING YOU, MR. LIU IS A HIGHLY PROBABLE SUSPECT AS THE MASTERMIND OF THIS CRIMINAL FRAUDULENT ACT. THAT MIGHT BE THE REASON WHY YOU ARE AVOIDING INVESTIGATION OF FRAUDULENT CRIMINAL ACT BY TITOUAH.   . QUESTION 4.  HOW WOULD YOU BE ABLE TO INVESTIGATE TITOUAH WHERE YOU YOURSELF MIGHT BE THE MASTERMIND OF HIS CRIMINAL ACT? 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

Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUH QUESTION 3 DATED SEPTEMBER 1, 2020 4:25pm

SEPTEMBER 1,  2020 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 QUESTION 3 HOW MUCH DID YOU PAY JOHN TITOUAH FOR HIS SERVICES? Dear Mr. Liu: PLEASE SEE, ON PAR.4 DENIAL LETTER DATED JUNE 12, 2020 You wrote,  As far as State Farm's relationship with All Express Plumbing and John Titouah, all insurance carriers after a water loss has been immediately contacts and discusses causation and location of pipe breaks. It does not matter which plumber is called, who they worked for, and what they charge, the only way to confirm the Predominant cause of water losses is to contact and discuss the facts of the discharge directly with the plumber who discovered, located, and repaired the leak. In regards to the costs of a re-route, that would be up to the discretion of the Insured. 1. You wrote, what they charge  meaning, in other words, plumber John charges fees and you paid him in return for his rigged live video presentation and fraudulent statements. How much did he charge you and the amount you paid him? AND THE COMPLETE EMAIL  WHERE THE MESSAGES ABOVE ARE RECORDED, IS NEXT IN 1. 1.  Claim Number 55-06c6-44x STATE FARM DENIAL LETTERS ANALYSES  AS MANIFESTATIONS OF BAD FAITH JULY 2, 2020 3:06PM             SINCE JULY 2, 2020, MR. LUI, YOU IMPRESSED UPON  US, "It does not matter which plumber is called, who they worked for,  and what they charge,..."WHICH IS AN IMPLICIT ADMISSION  OF A BUSINESS RELATION OR PARTNERSHIP  BETWEEN YOU AND JOHN TITOUAH WHEREIN YOU  ARE HIS CLIENT AND HE THE PRODUCER  OF WHAT  YOU NEED. QUESTION 3.  THIS IS UNDISPUTED AND NOT OBJECTED AND LINGERING QUESTION SINCE JULY 2, 2020. HOW MUCH DID YOU PAY JOHN TITOUAH FOR HIS SERVICES? 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

Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 14 DATED SEPTEMBER 1, 2020 2:36pm

SEPTEMBER 1,  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 INAPPROPRIATE RESPONSE 14 REPEATED MISCONDUCTS FROM INAPPROPRIATE RESPONSES  1 TO 8 AND 9/10/11/12 and 13 BEING NOT DISPUTED, OBJECTED AND HABITUALLY REPEATED WITH IMPUNITY.  HENCE, PROVEN TO BE INTENTIONAL, DELIBERATE, MALICIOUS, WILLFUL, WANTON, OPPRESSIVE AND OUTRAGEOUS Dear Messrs Gueniot and Liu: PLEASE SEE, As Mr. Gueniot responded to email with the subject shown next: Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 2 7:01pm CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso, We previously communicated to you that State Farm will no longer respond to your emails which do not provide any new information for us to evaluate on this claim. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all such rights in the past, present, and future.  If you send in new information that warrants consideration, then we would provide you a substantive response.  Your August 31, 2020 7:01 PM email alleges State Farm has not provided you with a copy of “live video footages from Titouah”.  A copy of claim-related documents, as defined by Insurance Code Section 10082.3, for claim 55-06C6-44X were previously provided to you.  That included a complete copy of the virtual inspection photos.  Claim file notes are not considered claim-related documents and will not be provided. State Farm General Insurance Company does not have any “live video footages”.  The photos taken during the virtual inspection are included on the Photo Media Sheet previously provided to you. Your statement “You, Mr. Liu, might have have committed and been continuing committing the crime of destroying or concealing evidence and continuing hiding it from me up to this date constitutes intentional and deliberate effort to prevent it from being produced and remained concealed from me” is false.  Your contention is denied.  As noted above, State Farm, and Mr. Liu, have provided you with the claim-related documents.  The “live video footages from Titouah” that you allege exist, don’t exist with State Farm General Insurance Company or Mr. Liu. This claim file remains closed.  All conditions previously quoted still apply. We are required by California Insurance Regulations, Section 2695.7(b)(3), to advise you that if you believe this claim, or any part of this claim, has been wrongfully denied or rejected, you may have the matter reviewed by the California Department of Insurance, Claim Service Bureau, 300 South Spring Street, Los Angeles, California 90013, telephone 800 927 4357. The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter. Sincerely, Louis Louis E Gueniot III Claim Team Manager State Farm General Insurance Company THIS EMAIL BECOMES, INAPPROPRIATE RESPONSE 14 REPEATED MISCONDUCTS FROM INAPPROPRIATE RESPONSES  1 TO 8 AND 9/10/11/12 and 13 and 1 count of RESPONDING TO EMAIL NOT ADDRESSED TO HIM TO ANSWER THE EMAIL NEXT IS ADDRESSED TO MR. LIU NOT MR. GUENIOT THIS EMAIL SHOWN NEXT IS ADDRESSED TO MR. LUI : TO WIT, "Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 2 7:01pm AUGUST 31,  2020 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 QUESTION 2 WOULD YOU STILL CONTINUE TO HIDE IT, "LIVE  VIDEO FOOTAGES FROM TITOUAH", FROM ME,  AND REFUSE TO SEND AND SHOW THEM TO ME? Dear Mr. Liu:"SHOWING ENDS HERE TO MR. GUENIOT, MAY I REQUEST FOR YOUR KIND UNDERSTANDING. WE NEED TO HAVE OUR NEGOTIATION ORGANIZED AND RECORDS CLEAR,  SO THAT WE MAY AVOID CONFUSION. I HAVE QUESTION SPECIFICALLY FOR MR. LIU TO ANSWER. PLEASE LET HIM DO THE HONORS.  PLEASE DO NOT BLOCK HIM, BECAUSE HE MAY ALREADY BE WANTING TO "SPILL THE BEANS". PLEASE DO NOT WORRY I HAVE ALSO SET OF QUESTIONS ESPECIALLY FOR YOU.  PLEASE KINDLY WAIT FOR YOUR TURN.  I AM SORRY MR. GUENIOT YOUR RESPONSE HAS NO WORTH AT ALL BEING YOU, NOT THE PERSON WHOM THE QUESTION IS ADDRESSED TO ANSWER. Please acknowledge receipt of this e-mail. THIS EMAIL RESPONSE IS INTENDED FOR YOUR  COLLECTION OF NEW INFORMATION ON INAPPROPRIATE RESPONSES WHICH TO MY TALLY RIGHT NOW ROSE TO 14.  IN OTHER WORDS,  FOURTEEN (14) COUNTS OF STATE FARM RECORDED MISCONDUCT. THOSE UNRECORDED MISCONDUCTS, I AM STILL COLLECTING THEM AND I PROMISE I WILL ADD THEM TO THE LIST WHICH INFORMATION YOU MAY STILL WANTED TO KNOW. PLEASE RESTRICT ISSUES WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS AND CONFUSION. 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

STATE FARM INAPPROPRIATE RESPONSE 14 DATED 1 SEPT20 8:37AM

CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso, We previously communicated to you that State Farm will no longer respond to your emails which do not provide any new information for us to evaluate on this claim. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all such rights in the past, present, and future.  If you send in new information that warrants consideration, then we would provide you a substantive response.  Your August 31, 2020 7:01 PM email alleges State Farm has not provided you with a copy of “live video footages from Titouah”.  A copy of claim-related documents, as defined by Insurance Code Section 10082.3, for claim 55-06C6-44X were previously provided to you.  That included a complete copy of the virtual inspection photos.  Claim file notes are not considered claim-related documents and will not be provided. State Farm General Insurance Company does not have any “live video footages”.  The photos taken during the virtual inspection are included on the Photo Media Sheet previously provided to you. Your statement “You, Mr. Liu, might have have committed and been continuing committing the crime of destroying or concealing evidence and continuing hiding it from me up to this date constitutes intentional and deliberate effort to prevent it from being produced and remained concealed from me” is false.  Your contention is denied.  As noted above, State Farm, and Mr. Liu, have provided you with the claim-related documents.  The “live video footages from Titouah” that you allege exist, don’t exist with State Farm General Insurance Company or Mr. Liu. This claim file remains closed.  All conditions previously quoted still apply. We are required by California Insurance Regulations, Section 2695.7(b)(3), to advise you that if you believe this claim, or any part of this claim, has been wrongfully denied or rejected, you may have the matter reviewed by the California Department of Insurance, Claim Service Bureau, 300 South Spring Street, Los Angeles, California 90013, telephone 800 927 4357. The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter. Sincerely, Louis Louis E Gueniot III Claim Team Manager State Farm General Insurance Company INAPPROPRIATE RESPONSE 14 RESPONDING TO EMAIL NOT ADDRESSED TO HIM TO ANSWER THE EMAIL NEXT IS ADDRESSED TO MR. LIU NOT MR. GUENIOT Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 2 7:01pm AUGUST 31,  2020 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 QUESTION 2 WOULD YOU STILL CONTINUE TO HIDE IT, "LIVE  VIDEO FOOTAGES FROM TITOUAH", FROM ME,  AND REFUSE TO SEND AND SHOW THEM TO ME? Dear Mr. Liu: