Claim Number 55-06c6-44x GUENIOT INAPPROPRIATE RESPONSE 2 AUGUST 27,2020 12:24am

AUGUST 27,  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 2 Dear Messrs Gueniot and Liu: PLEASE SEE, As Mr. Gueniot responded to email: Claim Number 55-06c6-44x INDOLENCE MUST BE DESPISED. DEFINE YOUR POLICY DEFENSE NOW DATED AUGUST 26, 2020 5:47am SEE the, INAPPROPRIATE RESPONSE 2 BY GUENIOT. LOUIS E. GUENIOT  INAPPROPRIATE RESPONSE TO  "DEFINE YOUR POLICY DEFENSES NOW". ALTHOUGH LOUIS RESPONDS, BUT HE IS RESPONDING INAPPROPRIATELY.  NOTHING IN THE FIVE (5) PARAGRAPHS IN LOUIS RESPONSE  EMAIL DOWN NEXT SHOWED ANY POLICY DEFENSE AGAINST OUR CLAIM.  WORSE, WRITING FOUR (4) PARAGRAPHS WITH TOPICS OUT OF THE SUBJECT BEING DISCUSSED WHICH ADD TO MORE CONFUSION ON OUR PART. FOR YOUR INFORMATION,  I NAMED THIS MISCONDUCT AS INAPPROPRIATE RESPONSE 2.  INAPPROPRIATE RESPONSE 2 Dear Mr. Buensuceso, Our position as communicated in our letters dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged.  This claim has been denied as explained in our letters referenced above and the file remains closed.  All conditions previously quoted still apply.  State Farm will continue to not waive any policy defenses or defenses under the law and reserves its right to assert such additional policy defenses or defenses under the law at any time. We have done our best to answer your questions and provide a reasonable explanation for the basis of the denial of the claim based on the policy language, which was included with our letters. If you believe this claim has been wrongfully denied, you may contact the California Department of Insurance for assistance. 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 Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. 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 RESPONSE DEFINE YOU POLICY DEFENSES NOW AUGUST 26, 2020 7:54AM INAPPROPRIATE RESPONSE 2

Claim Number 55-06c6-44x INDOLENCE MUST BE DESPISED. DEFINE YOUR POLICY DEFENSE NOW DATED AUGUST 26, 2020 5:47am LOUIS E. GUENIOT  INAPPROPRIATE RESPONSE TO "DEFINE YOUR POLICY DEFENSES NOW". ALTHOUGH LOUIS RESPONDS, BUT HE IS RESPONDING INAPPROPRIATELY.  NOTHING IN THE FIVE (5) PARAGRAPHS IN LOUIS RESPONSE  EMAIL DOWN NEXT SHOWED ANY POLICY DEFENSE AGAINST OUR CLAIM.  WORSE, WRITING FOUR (4) PARAGRAPHS WITH TOPICS OUT OF THE SUBJECT BEING DISCUSSED WHICH ADD TO MORE CONFUSION ON OUR PART. FOR YOUR INFORMATION,  I NAMED THIS MISCONDUCT AS INAPPROPRIATE RESPONSE 2.  INAPPROPRIATE RESPONSE 2 Dear Mr. Buensuceso, Our position as communicated in our letters dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged.  This claim has been denied as explained in our letters referenced above and the file remains closed.  All conditions previously quoted still apply.  State Farm will continue to not waive any policy defenses or defenses under the law and reserves its right to assert such additional policy defenses or defenses under the law at any time. We have done our best to answer your questions and provide a reasonable explanation for the basis of the denial of the claim based on the policy language, which was included with our letters. If you believe this claim has been wrongfully denied, you may contact the California Department of Insurance for assistance. 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

Claim Number 55-06c6-44x INDOLENCE MUST BE DESPISED. DEFINE YOUR POLICY DEFENSE NOW DATED AUGUST 26, 2020 5:47am

AUGUST 26,  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 INDOLENCE MUST BE DESPISED. STUDY THIS CLAIM THOROUGHLY AND DEFINE YOUR POLICY DEFENSES NOW NOT LATER Dear Messrs Gueniot and Liu: PLEASE SEE, PAR. 5 DENIAL EMAIL dated August 25, 2020  You wrote, " This company does not intend by this letter to waive any policy defenses or defenses under the law and reserves its right to assert such additional policy defenses or defenses under the law at any time. " COMMENTS : NOW THIS TIME YOU ARE WRITING  "policy defenses or defenses under the law" A CHANGE OF POSITION ON POLICY DEFENSES FROM " policy defenses in addition to those stated above" TAKEN FROM  PAR. 8 DENIAL LETTER dated August 21, 2020 HOWEVER, YOUR CHANGE IN POSITION ABOUT POLICY DEFENSES DID NOT SAVE YOU ABOUT YOUR PROBLEM ABOUT INDOLENCE. IT IS YOUR DUTY TO ACT IN GOOD FAITH AND EXERCISE DUE DILIGENCE IN STUDYING AND PROCESSING OF CLAIMS.  YOU HAVE ALREADY CONSUMED FOUR (4) MONTHS TO KNOW POLICY DEFENSES AGAINST MY CLAIM,  BUT YOU HAVE NOT WRITTEN OR CITED ANY POLICY DEFENSE UNDER THE LAW AND GRANTING YOU A WAIVER TO A RESERVATION OF RIGHT TO CITE ADDITIONAL POLICY DEFENSE IS PRACTICALLY OUTRAGEOUS BEING THIS WAIVER APPEARS TO BE AN AWARD FOR YOUR LAZINESS OR INDOLENCE.  MAY YOU PLEASE I AM SHOWING BACK TO YOU EXCERPT FROM MY PREVIOUS EMAIL IN RELATION TO POLICY DEFENSES, TO WIT: PAR. 8 DENIAL LETTER dated August 21, 2020  You wrote, " This company does not intend by this letter to waive any policy defenses in addition to those stated above and reserves its right to assert such additional policy defenses at any time. " You wrote, specifically, "This company does not intend by this letter to waive any policy defenses in addition to those stated above" COMMENTS : THESE ARE GESTURES OF DELIBERATE, INTENTIONAL INDOLENCE AND ILL MOTIVATED NEGLIGENCE THAT MUST BE PUNISHED WITH SEVERE PUNITIVE ACTION AND SHOULD NOT BE REWARDED WITH A RESERVATION OF A RIGHT TO ASSERT ADDITIONAL POLICY DEFENSES ANY TIME LATER.  RIGHT NOW OUT OF YOUR DELIBERATE, INTENTIONAL INDOLENCE AND ILL MOTIVATED NEGLIGENCE YOU HAVE NOT IDENTIFIED, WRITTEN, SENT  AND SHOW ANY POLICY DEFENSE AS THESE DEFICIENCIES HAD BEEN PRESENTED TO YOU IN : Claim Number 55-06c6-44x STUDY THIS CLAIM THOROUGHLY AND DEFINE YOUR POLICY DEFENSES  NOW NOT LATER dated August 18, 2020, SPECIFICALLY,   PAR. 8 DENIAL LETTER dated August 14, 2020  You wrote, " This company does not intend by this letter to waive any policy defenses in addition to those stated above and reserves its right to assert such additional policy defenses at any time. " You wrote, specifically, "This company does not intend by this letter to waive any policy defenses in addition to those stated above " COMMENTS : Please read your denial letter dated August 14, 2020  below. There are eight (8) paragraphs containing no policy defense in it. Look closely, this statement " This company does not intend by this letter to waive any policy defenses in addition to those stated above   " is from PAR.8. Then read PAR. 1 to 7 and show me where in those paragraphs I can find your policy defenses. Honestly, I could not find any. I therefore, urge you to re write your denial letters showing clarity and truthfulness in your statements to avoid confusion and cause unnecessary delay in our negotiations. PLEASE STUDY THIS CLAIM DILIGENTLY AND THOROUGHLY  AND DETERMINE ALL PERTINENT POLICY DEFENSES APPLICABLE TO MY CLAIM NOW.  ASSERTING ADDITIONAL POLICY DEFENSES LATER SHOWS THAT YOU HAVE NOT ACTUALLY DILIGENTLY AND  PRUDENTLY AND THOROUGHLY DEVOTED TIME TO STUDY THE CASE WHICH IS REFLECTIVE ON YOUR PART  OF A VIOLATION OF THE IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING BETWEEN US. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. 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 INDOLENCE MUST BE DESPISED.DEFINE YOUR POLICY DEFENSES NOW DATED AUGUST 24, 2020

AUGUST 24,  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 INDOLENCE MUST BE DESPISED. STUDY THIS CLAIM THOROUGHLY AND DEFINE YOUR POLICY DEFENSES NOW NOT LATER Dear Mr. Liu: PLEASE SEE, PAR. 8 DENIAL LETTER dated August 21, 2020  You wrote, " This company does not intend by this letter to waive any policy defenses in addition to those stated above and reserves its right to assert such additional policy defenses at any time. " You wrote, specifically, "This company does not intend by this letter to waive any policy defenses in addition to those stated above " COMMENTS : THESE ARE GESTURES OF DELIBERATE, INTENTIONAL INDOLENCE AND ILL MOTIVATED NEGLIGENCE THAT MUST BE PUNISHED WITH SEVERE PUNITIVE ACTION AND SHOULD NOT BE REWARDED WITH A RESERVATION OF A RIGHT TO ASSERT ADDITIONAL POLICY DEFENSES ANY TIME LATER.  RIGHT NOW OUT OF YOUR DELIBERATE, INTENTIONAL INDOLENCE AND ILL MOTIVATED NEGLIGENCE YOU HAVE NOT IDENTIFIED, WRITTEN, SENT  AND SHOW ANY POLICY DEFENSE AS THESE DEFICIENCIES HAD BEEN PRESENTED TO YOU IN : Claim Number 55-06c6-44x STUDY THIS CLAIM THOROUGHLY AND DEFINE YOUR POLICY DEFENSES  NOW NOT LATER dated August 18, 2020, SPECIFICALLY,   PAR. 8 DENIAL LETTER dated August 14, 2020  You wrote, " This company does not intend by this letter to waive any policy defenses in addition to those stated above and reserves its right to assert such additional policy defenses at any time. " You wrote, specifically, "This company does not intend by this letter to waive any policy defenses in addition to those stated above " COMMENTS : Please read your denial letter dated August 14, 2020  below. There are eight (8) paragraphs containing no policy defense in it. Look closely, this statement " This company does not intend by this letter to waive any policy defenses in addition to those stated above   " is from PAR.8. Then read PAR. 1 to 7 and show me where in those paragraphs I can find your policy defenses. Honestly, I could not find any. I therefore, urge you to re write your denial letters showing clarity and truthfulness in your statements to avoid confusion and cause unnecessary delay in our negotiations. PLEASE STUDY THIS CLAIM DILIGENTLY AND THOROUGHLY  AND DETERMINE ALL PERTINENT POLICY DEFENSES APPLICABLE TO MY CLAIM NOW.  ASSERTING ADDITIONAL POLICY DEFENSES LATER SHOWS THAT YOU HAVE NOT ACTUALLY DILIGENTLY AND  PRUDENTLY AND THOROUGHLY DEVOTED TIME TO STUDY THE CASE WHICH IS REFLECTIVE ON YOUR PART  OF A VIOLATION OF THE IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING BETWEEN US. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. 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 STUDY THIS CLAIM THOROUGHLY AND DEFINE YOUR POLICY DEFENSES NOW NOT LATER

AUGUST 18,  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 STUDY THIS CLAIM THOROUGHLY AND DEFINE YOUR POLICY DEFENSES NOW NOT LATER Dear Mr. Liu: PLEASE SEE, PAR. 8 DENIAL LETTER dated August 14, 2020  You wrote, " This company does not intend by this letter to waive any policy defenses in addition to those stated above and reserves its right to assert such additional policy defenses at any time. " You wrote, specifically, "This company does not intend by this letter to waive any policy defenses in addition to those stated above " COMMENTS : Please read your denial letter dated August 14, 2020  below. There are eight (8) paragraphs containing no policy defense in it. Look closely, this statement " This company does not intend by this letter to waive any policy defenses in addition to those stated above   " is from PAR.8. Then read PAR. 1 to 7 and show me where in those paragraphs I can find your policy defenses. Honestly, I could not find any. I therefore, urge you to re write your denial letters showing clarity and truthfulness in your statements to avoid confusion and cause unnecessary delay in our negotiations. PLEASE STUDY THIS CLAIM DILIGENTLY AND THOROUGHLY  AND DETERMINE ALL PERTINENT POLICY DEFENSES APPLICABLE TO MY CLAIM NOW.  ASSERTING ADDITIONAL POLICY DEFENSES LATER SHOWS THAT YOU HAVE NOT ACTUALLY DILIGENTLY AND  PRUDENTLY AND THOROUGHLY DEVOTED TIME TO STUDY THE CASE WHICH IS REFLECTIVE ON YOUR PART  OF A VIOLATION OF THE IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING BETWEEN US. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. 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