Claim Number 55-06c6-44x STATEMENT OF A SERVICE OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL DATED AUGUST 26, 2020 5:57am

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 PUNITIVE ACTION SOUGHT- STATEMENT OF A SERVICE OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL Dear Messrs Gueniot and Liu: PLEASE SEE, PAR. 6 DENIAL LETTER dated August 25, 2020  You wrote, "If you have any additional information regarding your claim which has not been previously considered or if you desire any additional explanation regarding this matter, please contact me." You wrote, specifically, " if you desire any additional explanation regarding this matter, please contact me. " COMMENTS : This statement of a wrongdoing-cheating and misrepresentation habitually, intentionally, and deliberately and fearlessly with impunity expressed in writing continuously EIGHT times IN EIGHT(8) LETTERS OF DENIALS. THIS ALLEGATION HAD BEEN UNDISPUTED  AND ADMITTED AS STATEMENT OF A SERVICE OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL. PAR. 9 DENIAL LETTER dated August 21, 2020  You wrote, " If you have any additional information regarding your claim which has not been previously considered or if you desire any additional explanation regarding this matter, please contact me." You wrote, specifically, " if you desire any additional explanation regarding this matter, please contact me. " COMMENTS : This statement of a wrongdoing-cheating and misrepresentation habitually, intentionally, and deliberately and fearlessly with impunity expressed in writing continuously in seven times IN seven(7) LETTERS OF DENIALS as in " if you desire any additional explanation regarding this matter, please contact me.  " IS HABITUAL STATEMENT OF A SERVICE  OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL AND BY NOW HAD BEEN ADMITTED BEING REPEATED INTENTIONALLY, DELIBERATELY, FEARLESSLY WITH IMPUNITY STATING THE SAME SERVICE OFFER AGAIN  EXPRESSED IN WRITING, " if you desire any additional explanation regarding this matter, please contact me.  " SHOULD BE STOPPED AND BE METED WITH SEVERE PUNITIVE ACTION TO DETER DECLARANTS FROM DOING THE SAME ACTION IN THE FUTURE. MAY I SHOW BACK TO EXCERPTS FROM EMAIL :   Claim Number 55-06c6-44x STATEMENT OF A SERVICE OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL dated August 18, 2020 PAR. 9 DENIAL LETTER dated August 14, 2020  You wrote, " If you have any additional information regarding your claim which has not been previously considered or if you desire any additional explanation regarding this matter, please contact me." You wrote, specifically, "if you desire any additional explanation regarding this matter, please contact me. " COMMENTS : This statement " if you desire any additional explanation regarding this matter, please contact me.  " had  been written, relayed to us, offered  in the denial letters from May 6, 2020 to August 14, 2020.  But you have habitually failed to translate these words into action as you constantly refused to answer my questions and inquiries as demonstrated by your files of emails from me which you habitually failed or refused to respond. THIS IS TANTAMOUNT TO HABITUAL STATEMENT OF A SERVICE  OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL.  IN OTHER WORD, MISREPRESENTATION OR CHEATING.  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 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 PROVIDE LIST OF INFORMATION REITERATED DATED AUGUST 26, 2020 5:30am

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 PROVIDE LIST OF INFORMATION Dear Messrs Gueniot and Liu: PLEASE SEE, PAR.  DENIAL EMAIL dated August 25, 2020  You wrote, " I am writing in response to your seventeen emails received since my last written correspondence which was sent to you via E-mail and US Mail on August 21, 2020.  Your emails have not presented new information with respect to the coverage evaluation." AND PAR. 6 DENIAL EMAIL dated August 25, 2020  You wrote, " Your emails have not presented new information with respect to the coverage evaluation "  AND " If you have any additional information regarding your claim which has not been previously considered or if you desire any additional explanation regarding this matter, please contact me." COMMENTS : 1. This statement  " If you have any additional information regarding your claim which has not been previously considered...  " means,  you have with you counts of information regarding my claim which you considered and counts of information you did not consider.  Please write to me the total count of information. So, for the sake of clarity on your position, please write to me both, a list of the information you considered and another list of information which you did not consider.  Among the list of information which you did not consider, kindly explain to me why those information did not merit your consideration and we will discuss each one of them in detail.  After which I may know matters to add more explanation to it as well as I may have a chance to add more new information not listed in your list. 2. " Your emails have not presented new information with respect to the coverage evaluation. " I  WANTED TO PRESENT NEW INFORMATION BUT HOW I WOULD BE ABLE KNOW ACCURATELY  WHAT IS OLD AND WHAT IS NEW  AND WHAT YOU CONSIDER AND WHAT YOU DID NOT CONSIDER, IF YOU REFUSED TO WRITE THEM ALL TO ME. HENCE, IT IS INCUMBENT UPON YOU TO PROVIDE ME A LIST OF INFORMATION SO THAT I MAY HAVE THE CHANCE TO KNOW INFORMATION WHICH YOU LIKE TO KNOW. THIS IS JUST A REITERATION OF MY MESSAGE TO YOU IN THE PAST EMAIL  TO WIT: PAR. 9 DENIAL LETTER dated August 21, 2020  You wrote, " If you have any additional information regarding your claim which has not been previously considered or if you desire any additional explanation regarding this matter, please contact me." COMMENTS : This statement  " If you have any additional information regarding your claim which has not been previously considered...  " means,  you have with you counts of information regarding my claim which you considered and counts of information you did not consider.  Please write to me the total count of information. So, for the sake of clarity on your position, please write to me both, a list of the information you considered and another list of information which you did not consider.  Among the list of information which you did not consider, kindly explain to me why those information did not merit your consideration and we will discuss each one of them in detail.  After which I may know matters to add more explanation to it as well as I may have a chance to add more new information not listed in your list. 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 PATTERN of SOWING CONFUSION ON EMAIL RESPONSES DATED AUGUST 26, 2020 5:13am

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 PATTERN of SOWING CONFUSION ON  EMAIL RESPONSES BY GORDON LIU (GROSSLY RESPONDING ONCE TO SEVERAL EMAILS WITH DIFFERENT SUBJECT MATTER) Dear Messrs Gueniot and Liu: May I most respectfully call your attention: 1.         ON PAR.1 DENIAL LETTER AUGUST 25, 2020 You wrote, "I am writing in response to your seventeen emails received since my last written correspondence which was sent to you via E-mail and US Mail on August 21, 2020.  Your emails have not presented new information with respect to the coverage evaluation." 2.         ON PAR.1 DENIAL LETTER AUGUST 21, 2020 You wrote, " I am writing in response to your fifteen emails received since my last communication to you on August 14, 2020.  " 3.         ON PAR.1 DENIAL LETTER AUGUST 14, 2020 You wrote, "I’m writing in response to your emails received August 3, 2020 at 11:25 PM, August 4, 2020 at 9:09 PM, August 5, 2020 at 2:32 PM, August 5, 2020 at 2:28 PM, August 5, 2020 at 4:40 PM and August 6, 2020 at 10:26 PM. I will do my best to answer questions presented." 4.         ON PAR.1 DENIAL LETTER JULY 17,  2020 You wrote, "This letter is in response to our previous correspondence of July 13, 2020 and your E-Mail to State Farm dated July 14, 2020." 5.        ON PAR.1 THIRD DENIAL LETTER July 13, 2020 You wrote, "This letter is to acknowledge and respond to your E-mails to State Farm on July 2, 2020, the second E-mail of July 2, 2020, your July 4, 2020 E-mail, the two E-mails of July 10, 2020, and your July 13, 2020 E-mail." COMMENTS: This shows State Farm and Gordon Liu BY GROSSLY RESPONDING ONCE TO SEVERAL EMAILS WITH DIFFERENT SUBJECT MATTER constantly in an established pattern  intended to sow confusion on the issues presented. Each email is unique as each of them had its own subject matter that had to be addressed, in particular.  Now, I am confused which one of those paragraphs is an answer to what particular email SUBJECT MATTER. I have been  presenting facts, information and issues  in our negotiation and each one of them distinctly in comprehensive details but  there State Farm and you muddled issues altogether purposely to derail the negotiations as shown above five (5) times in the DENIAL LETTERS  dated August 25, 2020, August 21, 2020, August 14, 2020 July 17, 2020 and July 13, 2020, though I have complained about it in DENIAL LETTER  dated July 13, 2020 but you again,  intentionally, deliberately, maliciously, willfully, wantonly, oppressively, outrageously and effectively denied me the opportunity to read clear messages from you by doing the same "sow confusion" reply strategy against me.  PLEASE ACKNOWLEDGE RECEIPT OF THIS EMAIL AND WRITE YOUR  RESPONSE ACCORDINGLY UNDER THE NAMED SUBJECT . LIKEWISE, PLEASE NOTE THAT YOUR DENIAL LETTER  DATED MAY 6, 2020  WAS PREPARED, WRITTEN, RELAYED TO US  AND SENT BY YOU IN JUST WITHIN  A FEW MINUTES. Thank you very much.  Yours faithfully, Antonio L. Buensuceso

STATE FARM RESPONSE AND DENIAL LETTER ITSELF DATED AUGUST 25, 2020 7:14PM

Claim Number 55-06c6-44x PROVIDE LIST OF INFORMATION DATED AUGUST 25, 2020 9:16am

AUGUST 25,  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 PROVIDE LIST OF INFORMATION Dear Mr. Liu: PLEASE SEE, PAR. 9 DENIAL LETTER dated August 21, 2020  You wrote, " If you have any additional information regarding your claim which has not been previously considered or if you desire any additional explanation regarding this matter, please contact me." COMMENTS : This statement  " If you have any additional information regarding your claim which has not been previously considered...  " means,  you have with you counts of information regarding my claim which you considered and counts of information you did not consider.  Please write to me the total count of information. So, for the sake of clarity on your position, please write to me both, a list of the information you considered and another list of information which you did not consider.  Among the list of information which you did not consider, kindly explain to me why those information did not merit your consideration and we will discuss each one of them in detail.  After which I may know matters to add more explanation to it as well as I may have a chance to add more new information not listed in your list. 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