STATE FARM INAPPROPRIATE RESPONSE 7 DATED AUGUST 27, 2020 8:13am

INAPPROPRIATE RESPONSE 7 REPEATED MISCONDUCT FROM INAPPROPRIATE RESPONSE 3 Dear Mr. Buensuceso, I’m writing to acknowledge receipt of your email below. I regret coverage is not available for this loss. 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. Sincerely, Louis Louis E Gueniot III Claim Team Manager State Farm General Insurance Company REFERENCE EMAIL: Claim Number 55-06c6-44x GUENIOT INAPPROPRIATE RESPONSE 3 AUGUST 27, 2020 12:28am "SOWING CONFUSION ON EMAIL RESPONSES"

STATE FARM INAPPROPRIATE RESPONSE 6 DATED AUGUST 27, 2020 8:13am

INAPPROPRIATE RESPONSE 6 REPEATED MISCONDUCT FROM INAPPROPRIATE RESPONSE 2 Dear Mr. Buensuceso, I’m writing to acknowledge receipt of your email below. I regret coverage is not available for this loss. 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. Sincerely, Louis Louis E Gueniot III Claim Team Manager State Farm General Insurance Company REFERENCE EMAIL: 1.  STATE FARM RESPONSE DEFINE YOU POLICY DEFENSES NOW AUGUST 26, 2020 7:54AM INAPPROPRIATE RESPONSE 2 2.  "DEFINE YOUR POLICY DEFENSES NOW"

STATE FARM INAPPROPRIATE RESPONSE 5 DATED AUGUST 27, 2020 8:12am

INAPPROPRIATE RESPONSE 5 REPEATED MISCONDUCT FROM INAPPROPRIATE RESPONSE 1 Dear Mr. Buensuceso, I’m writing to acknowledge receipt of your email below. I regret coverage is not available for this loss. 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. Sincerely, Louis Louis E Gueniot III Claim Team Manager State Farm General Insurance Company REFERENCE EMAIL :  1. Claim Number 55-06c6-44x   INAPPROPRIATE RESPONSE 1 AUGUST 27, 2020 12:19am 2. Claim Number 55-06c6-44x STATEMENT OF A SERVICE OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL DATED AUGUST 26, 2020 5:57am

Claim Number 55-06c6-44x GUENIOT INAPPROPRIATE RESPONSE 4 AUGUST 27, 2020 12:33am

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 4 Dear Messrs Gueniot and Liu: PLEASE SEE, As Mr. Gueniot responded to email: Claim Number 55-06c6-44x PROVIDE LIST OF INFORMATION REITERATED DATED AUGUST 26, 2020 5:30am SEE the, INAPPROPRIATE RESPONSE 4 LOUIS E. GUENIOT  INAPPROPRIATE RESPONSE TO  "PROVIDE LIST OF INFORMATION". ALTHOUGH LOUIS RESPONDS, BUT HE IS RESPONDING INAPPROPRIATELY.  THERE IS NOTHING IN PAR.1 TO 6 MENTIONING ABOUT LIST OF INFORMATION THAT STATE FARM CONSIDER AND LIST OF INFORMATION  THAT STATE FARM DID NOT CONSIDER. EVEN WORSE, IN LOUIS' RESPONSE  EMAIL DOWN NEXT,  PAR. 1 TO 6, SHOWED TOPICS OUT OF THE SUBJECT BEING DISCUSSED WHICH ADD TO MORE CONFUSION ON OUR PART. AND WORST HE ATTACHED 90 IMAGES WITHOUT ANY EXPLANATION WHETHER STATE FARM CONSIDER EACH ONE OF THEM OR NOT.  DOUBTLESS, HIS INTENTION TO CONFUSE DELIBERATELY, INTENTIONALLY, MALICIOUSLY, WILLFULLY, WANTONLY,  OUTRAGEOUSLY IS OBVIOUSLY PROFOUND. FOR YOUR INFORMATION, I NAMED THIS MISCONDUCT AS INAPPROPRIATE RESPONSE 4.  INAPPROPRIATE RESPONSE 4 Dear Mr. Buensuceso, Attached, please find a copy of claim-related documents for claim 55-06X6-44X.  Claim file notes are not considered claim-related documents, as defined by Insurance Code Section 10082.3, and will not be provided. 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.  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.   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. 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

Claim Number 55-06c6-44x GUENIOT INAPPROPRIATE RESPONSE 3 AUGUST 27, 2020 12:28am

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 3 Dear Messrs Gueniot and Liu: PLEASE SEE, As Mr. Gueniot responded to email: Claim Number 55-06c6-44x PATTERN of SOWING CONFUSION ON EMAIL RESPONSES DATED AUGUST 26, 2020 5:13am SEE the, INAPPROPRIATE RESPONSE 3 LOUIS E. GUENIOT  INAPPROPRIATE RESPONSE TO  "SOWING CONFUSION ON EMAIL RESPONSES". ALTHOUGH LOUIS RESPONDS, BUT HE IS RESPONDING INAPPROPRIATELY.  THOUGH PAR.1 MENTIONED "SOW CONFUSION" BUT HE JUST DENIED INTENTION TO DO IT BUT THE REMAINING FIVE (5) PARAGRAPHS SHOWED VIVIDLY DELIBERATE AND INTENTIONAL EFFORT TO DO IT AS IN RESPONSE  EMAIL BY LOUIS DOWN NEXT SHOWED 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 3.  INAPPROPRIATE RESPONSE 3 Dear Mr. Buensuceso, State Farm is not intending to “sow confusion” on the issues presented.  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. 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.  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.   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. 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

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