Dear Officer Christina Santos:
OUR HOUSE HAPPENED TO HAVE A SLAB LEAK
ON APRIL 27, 2020.
Our claim for secondary damage is denied by STATE FARM INSURANCE on account of a falsified "no leak but leak under the foundation" scenario composed of statements and video live feed to the person on the other side of the line, whom we do not know who in the first place, conducted by the plumber, JOHN.
We hired the plumber, JOHN, ALL EXPRESS PLUMBING, who FIRST WARRANTY sent to us, whom I trusted to fix our hot water line leak.
On April 30, 2020 John came by himself and did a leak detection using leak detection instrument to know where the leak/leaks was/were. It is to our belief John being a licensed plumber and endorsed to us by FIRST AMERICAN HOME WARRANTY INSURANCE that he knew where the leak is located and how to fix it. On May 5, 2020 about 3:00 pm John, the plumber, came with 2 helpers with a jackhammer. He excavated the affected area with a jackhammer then when the leak seems appearing on the line the plumber appeared to be bothered, (see VIDEO 4)) he instructed his helper to open the the kitchen hot water faucet (see VIDEO 5), the leak disappeared and continued digging but farther away from that leaking point. After digging almost 1.5 square foot of concrete with a depth of 6 inches while the hot water line is devoid of pressure he set his camera took live video of the excavation and informed the man on the other side of the line, whom I did know at that time who he was, that he can not find a leak THOUGH HE HAD DUG 10 INCHES OF CONCRETE,(absolute lie), though he just dug 6 inches at the most (see VIDEOS 1, 2 , 6 and PICTURES 1, 2, 3, A) and conclude a statement that the leak is under the foundation. Later, the STATE FARM insurance adjuster talked to us (now we know who was the man on the other side of the line) that based on the plumbers video footage and statements BY JOHN, our claim is not covered because the leak is under the foundation and John called up the American Home Warranty and showed the same excavation with no trace of leak but a suspected leak under the foundation, that he could not dig anymore; hence, he got more expensive project of rerouting the pipe out of the slab. He worked like a secret agent helping STATE FARM INSURANCE out of liability which we suspect that he will be paid for it and he mislead the FIRST AMERICAN HOME WARRANTY into allowing him do a more costly re route of hot water line. He got a huge financial gain out of this incident for himself and a supposed great loss to us being denied of insurance coverage payment. To wit :The following day we received a denial of our claim for secondary damage by STATE FARM (see STATE FARM DENIAL LETTER below) and we fired John for his fraudulent act. After a couple of weeks the leak deteriorates while opening and closing the valve to the water heater to take shower and it showed up not under the foundation as John stated (see VIDEO 6) but a leak in the slab which JOHN intentionally and deliberately hide from us; a leak which is most easily visible with a naked eye which can be repaired less costly and not a leak under the foundation and John should not have brought with him 2 helpers and used the jackhammer THAT damaged the foundation and the cold and hot water lines in the slab, because the concrete over the leaking line is soft as it showed that it had underwent a leak repair exactly on the spot where the leak is showing up now. (see PICTURE B )
AS I SEE IT, HE HAD THE CAPACITY TO DEFRAUD EITHER THE INSURANCE COMPANIES OR THE HOMEOWNERS OR BOTH FOR MONETARY GAIN. I STRONGLY BELIEVE HIS FRAUD MUST BE STOPPED TO MAKE OUR COMMUNITIES SAFER.
IS THIS A CRIME NEEDED TO BE REPORTED TO THE
POLICE AND PURSUED TO DETER THIS PLUMBER
DOING THIS FRAUDULENT ACTS AGAIN FOR THE SAKE
OF SAFETY FOR OUR COMMUNITY?
Yours faithfully,
Antonio L. Buensuceso
|
VIDEO EVIDENCES
VIDEO 1
TAKEN 5 MAY 2020
VIDEO FOOTAGE OF THE ACTUAL HOT WATER LEAK AND DEPTH MEASUREMENT OF THE ACTUAL LEAK TAKEN BY US CONTRARY TO THE NO LEAK SCENARIO MANIPULATED BY THE PLUMBER BY SETTING A MERE SLIGHT OPENING ON THE LINE TO THE WATER HEATER AND OPENING UP THE HOT WATER FAUCET ON THE KITCHEN SINK TO RELEASE PRESSURE.
VIDEO 2
TAKEN 5 MAY 2020
VIDEO FOOTAGE OF THE ACTUAL HOT WATER LEAK THIS LEAK IS CONCEALED BY THE PLUMBER BY OPENING UP THE SINK HOT SIDE FAUCET AS EVIDENCED BY THE INCRIMINATING AUDIO OF THE GUY WHO WAS INSTRUCTED TO OPEN THE HOT SIDE FAUCET TO OBVIOUSLY TO RELEASE PRESSURE ON THE HOT WATER LINE....HEAR THE AUDIO ON VIDEO 5.
VIDEO 3
TAKEN 5 MAY 2020
CHECKING IF THE MAIN VALVE TO THE WATER HEATER IS FULLY OPEN.. WE CHECK IT TOGETHER . HE TOLD ME ITS FULLY OPEN ...I PRETENDED TO AGREE WITH HIM BUT IN FACT
IT WAS NOT. IT IS JUST SLIGHTLY OPEN WHEN I CHECKED ON IT. I KNOW HOW IT FEEL VALVE OPENINGS BEING A PETROLEUM REFINERY OPERATIONS AND MAINTENANCE MAN FOR 25 YEARS.
VIDEO 4
TAKEN 5 MAY 2020
RATTLED PLUMBER AS HE SAW SOMETHING THAT BOTHERED HIM SO MUCH. HE STOPPED DIGGING. HE FIXED SOMETHING IN THE HOT SIDE OF THE LINE AS HE INSTRUCTED HIS HELPER TO OPEN THE HOT SIDE KITCHEN SINK FAUCET THE PURPOSE OBVIOUSLY IS TO DEVOID THE HOT WATER LINE OF PRESSURE THEREBY HIDING THE LEAK TO US.
VIDEO 5
TAKEN 5 MAY 2020
INCRIMINATING SENTENCES
HOTSIDE....HOTSIDE...
THEN THE GUY WENT OUT TO THE KITCHEN SINK. MY DAUGHTER IS ASKING THE GUY WHO WENT TO THE SINK WHAT HE IS DOING. HE ANSWERED, "HE TOLD ME TO OPEN THE FAUCET".
hear it again...HE TOLD ME TO OPEN THE FAUCET...
VIDEO 6
MAY 20,2020
HOT WATER LINE LEAK DETERIORATES
Video now May 20, 2020 after a couple of weeks, the hot water line leak deteriorates and becomes more apparent and exposed clearly the leak that John, the plumber concealed from us. THE LEAK IS ON THE VERTICAL HOT WATER LINE IN THE SLAB AND NOT UNDER THE FOUNDATION AS HE INFORMED THE ADJUSTERS OF STATE FARM
AND FIRST AMERICAN.
PICTURES EVIDENCES
PICTURE 1
TAKEN 7 MAY 2020
TOP VIEW OF THE EXCAVATED CONCRETE
WITH AN AREA OF 1.5 SQUARE FEET
WITH A DEPTH OF 6 TO 4 INCHES ( NOT 10 INCHES) AS THE PLUMBER STATED
SECTIONS 1&2.
PICTURE 2
TAKEN 7 MAY 2020
SECTION 1 OF THE EXCAVATED CONCRETE
TOP VIEW WITH DEPTH 6 TO 5 INCHES
FIRST THE PLUMBER DUG SECTION 1 (PICTURE 2) TO A DEPTH OF 6 INCHES. THEN HE NOTICED TRACE OF LEAK IN THE HOT SIDE OF THE WATER LINE. HE INSTRUCTED HIS MAN TO OPEN THE HOT WATER FAUCET IN THE KITCHEN SINK. THE LEAK DISAPPEARED. THEN HE DUG AWAY FROM SECTION 1 TO THE DIRECTION OF SECTION 2 (PICTURE 3)
PICTURE 3
TAKEN 7 MAY 2020
SECTION 2 OF THE EXCAVATED CONCRETE
TOP VIEW WITH DEPTH OF 5 TO 4 INCHES
HE STOPPED DIGGING ON SECTION 2 AFTER EXCAVATING LESS A SQUARE FOOT OF CONCRETE AND STATED HE IS STOPPING EXCAVATING BECAUSE HE STRESS AN ASSUMPTION THAT THE LEAK IS UNDER THE FOUNDATION AND HE HAS DUG 10 INCHES DEPTH OF CONCRETE AND ITS THE MOST HE CAN DO. HE MADE A VIDEO OF HIS STATEMENTS AND THE EXCAVATION TO THE OTHER PERSON ON THE LINE, WHOM WE DO NOT KNOW WHO, DURING THAT TIME. LATER, HOWEVER I LEARNED HE WAS TALKING TO THE ADJUSTER FOR THE SECONDARY DAMAGE WHEN THAT ADJUSTER CALLED INFORMING US THAT ON ACCOUNT OF THE VIDEO AND STATEMENTS OF THE PLUMBER SAYING THE LEAK IS UNDER THE FOUNDATION, HE IS DENYING OUR CLAIM FOR SECONDARY DAMAGE. AND, THE FOLLOWING DAY WE RECEIVED A FORMAL DENIAL LETTER FROM THE HOME INSURANCE.
PICTURE A
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.
STATE FARM INSURANCE DENIAL LETTER
...e-mail to OFFICER CHRISTINA SANTOS ends here
|