Claim Number 55-06c6-44x WANTED RIGHT PERSON TO NEGOTIATE DATED 12MAR21 1:49PM

Claim Number 55-06c6-44x  REQUEST FOR THE NAME, POSITION AND EMAIL ADDRESS OF THE PERSON TO WRITE TO CONCERNING OUR CLAIM PROCESSES BEING DERAILED BY MR. GUENIOT  MARCH 12, 2021 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 REQUEST FOR THE NAME, POSITION AND EMAIL ADDRESS OF THE PERSON TO WRITE TO CONCERNING OUR CLAIM PROCESSES BEING DERAILED BY MR. GUENIOT  Dear Mr. Liu, I requested for a virtual conference, as you already knew, from Mr. Atchley, shown in 1. And email exchanges in related subject ensued in 2, 3 and 4. Then on 4 he mentioned Mr. Gueniot  and you. Hence, I am sending this request to you, only Mr. Liu, not to Mr. Gueniot.  May I most respectfully inform you that each time I receive an email from Mr. Gueniot for almost 70 times, my high blood pressure rises and I fear that one more time I received one from him I do not know I might suffer a stroke. However, since coming to our house to make measurements on the excavations made by Titouah is my request, he may come and be welcomed by my family excluding me. Honestly, I do not want to see him.  I might suffer a heart attack. Please help.  Please keep me safe for my family. Save my life. I might die if ever I received one more email from Mr. Gueniot. He may relay to us through you if he ever wanted to pursue IN GOOD FAITH NEGOTIATIONS WITH US. I earnestly wanted to discuss all available administrative remedies on your part to discover what you can do to help us with these intentional, deliberate, outrageous and reprehensible BAD FAITH ordeals we are going through in trying  GOOD FAITH negotiating with Mr. Gueniot.  Please  provide me with the name, position and email address of the right person to write to express our sentiments in the tortious ordeal in dealing with Mr. Gueniot. WE WOULD WANT TO NEGOTIATE THIS DISPUTE WITH STATE FARM IN GOOD FAITH UNTIL ALL  ADMINISTRATIVE REMEDIES AVAILABLE HAVE BEEN EXHAUSTED.   Thank you very much. Yours faithfully, Antonio L. Buensuceso Items 1 to 4 below as referred to above. 1 EMAIL REQUEST FOR VIRTUAL CONFERENCE TO EDDIE ATCHLEY from: antonio jr. Buensuceso <antoniobuensuceso@gmail.com> to:eddie.atchley.toco@statefarm.com cc: gordon.c.liu.gprx@statefarm.com, rosalina buensuceso <rosebuensuceso@gmail.com>, Mosses <mosses@alumni.nus.edu.sg>, Noemi Buensuceso <mimikyut@yahoo.com>, Aaron Buensuceso <aaronbuensuceso@gmail.com>, veronica buensuceso <vcbuensuceso@gmail.com>, "miriambuens@gmail.com" <miriambuens@gmail.com> date:Mar 12, 2021, 6:19 AM subject:VIRTUAL CONFERENCE mailed-by:gmail.com Claim Number 55-06c6-44x  REQUEST FOR A VIRTUAL CONFERENCE  from STATE FARM INSURANCE AGENT MARCH 12, 2021 EDDIE ATCHLEY OFFICE MANAGER STATE FARM INSURANCE 3633 CAMINO DEL RIO S #100 SAN DIEGO, CA 92108 eddie.atchley.toco@statefarm.com RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 REQUEST FOR A VIRTUAL CONFERENCE Dear Mr. Eddie Atchley, I am writing this request on behalf of my wife, Rosalina Buensuceso and my daughter, Miriam Brual. May I most humbly and respectfully request for a virtual conference to discuss all available administrative remedies on your part to discover what you can do to help us with these these intentional, deliberate, outrageous and reprehensible BAD FAITH ordeals we are going through in trying  GOOD FAITH negotiating with Mr. Gueniot. Please set the best time, day and date to discuss these matters with you. WE WOULD WANT TO NEGOTIATE THIS DISPUTE WITH STATE FARM IN GOOD FAITH UNTIL ALL  ADMINISTRATIVE REMEDIES AVAILABLE HAVE BEEN EXHAUSTED. Matters pertaining to the virtual discussion shall be strictly confidential between you and our family. Thank you very much. Yours faithfully, Antonio L. Buensuceso 2. RESPONSE BY EDDIE ATCHLEY TO THE VIRTUAL CONFERENCE REQUEST 3. FOLLOW UP REQUEST FOR THE NAME OF PERSON IN STATE FARM TO WRITE TO AND HIS EMAIL ADDRESS  CONCERNING OUR COMPLAINT ON THE MANNER OF MR. GUENIOT IN DEALING WITH US. 4. RESPONSE BY MR. EDDIE ATCHLEY ON WHO TO WRITE TO CONCERNING OUR COMPLAINT ON THE MANNER OF MR. GUENIOT IN DEALING WITH US.

VIRTUAL CONFERENCE DATED 12MAR21 6:19AM

from: antonio jr. Buensuceso <antoniobuensuceso@gmail.com> to:eddie.atchley.toco@statefarm.com cc: gordon.c.liu.gprx@statefarm.com, rosalina buensuceso <rosebuensuceso@gmail.com>, Mosses <mosses@alumni.nus.edu.sg>, Noemi Buensuceso <mimikyut@yahoo.com>, Aaron Buensuceso <aaronbuensuceso@gmail.com>, veronica buensuceso <vcbuensuceso@gmail.com>, "miriambuens@gmail.com" <miriambuens@gmail.com> date:Mar 12, 2021, 6:19 AM subject:VIRTUAL CONFERENCE mailed-by:gmail.com Claim Number 55-06c6-44x  REQUEST FOR A VIRTUAL CONFERENCE  from STATE FARM INSURANCE AGENT MARCH 12, 2021 EDDIE ATCHLEY OFFICE MANAGER STATE FARM INSURANCE 3633 CAMINO DEL RIO S #100 SAN DIEGO, CA 92108 eddie.atchley.toco@statefarm.com RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 REQUEST FOR A VIRTUAL CONFERENCE Dear Mr. Eddie Atchley, I am writing this request on behalf of my wife, Rosalina Buensuceso and my daughter, Miriam Brual. May I most humbly and respectfully request for a virtual conference to discuss all available administrative remedies on your part to discover what you can do to help us with these these intentional, deliberate, outrageous and reprehensible BAD FAITH ordeals we are going through in trying  GOOD FAITH negotiating with Mr. Gueniot. Please set the best time, day and date to discuss these matters with you. WE WOULD WANT TO NEGOTIATE THIS DISPUTE WITH STATE FARM IN GOOD FAITH UNTIL ALL  ADMINISTRATIVE REMEDIES AVAILABLE HAVE BEEN EXHAUSTED. Matters pertaining to the virtual discussion shall be strictly confidential between you and our family. Thank you very much. Yours faithfully, Antonio L. Buensuceso

Claim Number 55-06c6-44x REQUEST FOR ASSISTANCE STATE FARM INSURANCE AGENT DATED 29DEC20 2:37PM

DECEMBER 29, 2020 EDDIE ATCHLEY OFFICE MANAGER STATE FARM INSURANCE 3633 CAMINO DEL RIO S #100 SAN DIEGO, CA 92108 eddie.atchley.toco@statefarm.com RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 REQUEST FOR ASSISTANCE Dear Mr. Eddie Atchley, I am writing this request on behalf of my wife, Rosalina Buensuceso and my daughter, Miriam Brual. May I most humbly and respectfully request for assistance  from you to see what you can do to help us with the ordeals we are going through in trying  GOOD FAITH negotiating with Mr. Gueniot. His email address is  louis.e.gueniot.bomz@statefarm.com     and despite of sending ten (10) emails to him asking him whether  do we need to elevate this matter to the Department of Insurance and/or seek legal help to defend our right to our legitimate insurance claim and despite multiple persuasive appeals until now, he had not been responsibly responsive and continued to arbitrarily denied our claim without reasonable basis for secondary damages filed since June  2020 and damages due to vandalism which we filed this November 2020. I have shown him evidences which we relied on the fact that the pipe break is not  under the foundation and it is on the hot water pipe encased in the slab as follows: 1. Video 6 showing that the pipe break is on the hot water pipe encased in the slab.     State Farm denied our claim for secondary damages because according to them      the water leak is from under the foundation. This video shows that the leak is not      from under the foundation and therefore should be covered. SCREENSHOT FROM VIDEO 6 TAKEN MAY 20, 2020 THE PIPE BREAK HAD DETERIORATED AFTER TWO WEEKS WHICH TITOUAH CONCEALED FROM US.  2. The fact that the pipe break is on the the pipe encased in the slab is collaborated by First American in a message to my daughter, Miriam Brual,  on May 6, 2020. 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. 3. The fact of the location of the pipe break is in the concrete slab was reaffirmed by First American on October 24, 2020.  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. 4. Vandalism by the plumber. The plumber had a verbal contract with us to repair the leaking pipe. He was likewise, instructed by First American to access leaking pipe encased in the slab and repair pipe. But what did is he did not repair the leaking pipe, instead he hid the pipe break from us and created a huge excavation using a big jackhammer in excess of what is required which damaged pipes hot and cold water pipes encased in the slab adjacent to it. 4.1 The plumber should have excavated only this much. 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. 4.2. But the plumber excavated this much, in excess of what is required. He did not repair the pipe break and worse instead he hide the pipe break shown in Video 6 and eventually damaged other pipes encased adjacent to it. PICTURE A 4.3 The extent of the damage done by the plumber. We hired another contractor to reroute the leaking hot water pipe because he feared that simple pipe repair on it might not be advisable anymore. He feared that the diggings made by the previous plumber might have damaged the lines encased in it. And his speculations proved to be true due the presence of dampness today in the concrete where other pipes are encased in it. This damage is roughly estimated near $5000. Please help us. Thank you very much. Yours faithfully, Antonio L. Buensuceso

Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 26 5NOV20 1:01AM

NOVEMBER 5,  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 26   WOULD YOU LIKE ME TO SEEK  THE HELP MR. EDDIE ATCHLEY?  Dear Mr. GUENIOT: MAY I MOST RESPECTFULLY REFER YOU AGAIN TO THE EMAIL I PREPARED FOR MS TIFFANI WYATT WHICH I WOULD WANT TO SHOW TO MR. EDDIE ATCHLEY TO ASK HIS ASSISTANCE  TO RESOLVE THIS INSURANCE CLAIM ISSUES AS SOON AS POSSIBLE. I WOULD INFORM HIM THAT YOU REFUSED TO GIVE ME AN EMAIL ADDRESS OF MS. TIFFANI WYATT AND/OR ANYONE FROM STATE FARM SO THAT I MAY REPORT WHAT YOU ARE DOING WITH OUR CLAIM. I HAVE THE COPY OF THE EMAIL I WILL BE SUPPOSEDLY SENDING HER AND I AM GOING TO SHOW TO MR. ATCHLEY  AND AGAIN  TO YOU FOR YOUR PERUSAL.  COPY OF THE EMAIL FOR MS TIFFANI WYATT Tiffani Wyatt Claim Specialist (844) 458-4300 Ext. 9726572579 Fax: (844) 236-3646 State Farm General Insurance Company RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 REQUEST FOR ASSISTANCE Dear Ms Tiffani Wyatt, May I most humbly and respectfully request for assistance  from you to see what you can do to help me with the ordeals I am going through in trying  GOOD FAITH negotiating with Mr. Gueniot. His email address is  louis.e.gueniot.bomz@statefarm.com     and despite of sending ten (10) emails to him asking him whether  do we need to elevate this matter to the Department of Insurance and/or seek legal help to defend our right to our legitimate insurance claim he had not been responsibly responsive. Next is the excerpt from the emails I am referring 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 EIGHT 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.  Please, kindly do whatever is necessary to resolve these insurance claim amicably. Yours faithfully, Antonio L. Buensuceso Jr. END OF EMAIL FOR MS TIFFANI WYATT QUERY 26 WOULD YOU LIKE ME TO SEEK  THE HELP MR. EDDIE ATCHLEY?      Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email AND kindly put back the following reminder to your response which had been missing for quite some time. 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