STATE FARM INAPPROPRIATE RESPONSE 20 DATED 2SEPT20 12:29PM

INAPPROPRIATE RESPONSE 20 RESPONSE TO EMAIL: Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 6 DATED 1SEPT20 9:58pm NOTE : RESPONDING TO EMAIL NOT ADDRESSED TO HIM CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso, I’m writing to acknowledge receipt of your email below. I am the Claim Team Manager responsible for the supervision of claim 55-06C6-44X submitted by Miriam Brual and Rosalina Buensuceso and will respond to your email. Your email does not provide any new information for us to evaluate on this claim. We previously communicated to you that State Farm will no longer respond to your emails which do not provide any new information for us to evaluate on this claim. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all such rights in the past, present, and future.  If you send in new information that warrants consideration, then we would provide you a substantive response.  Your email contains allegations of misconduct by State Farm, Claim Specialist Gordon Liu and me. All such contentions are denied. We handle each claim on its own merits. State Farm, Claim Specialist Gordon Liu and I have complied with the implied covenant of good faith and fair dealing in the investigation and handling of this claim. 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. 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

STATE FARM INAPPROPRIATE RESPONSE 19 DATED 2SEPT20 12:28PM

INAPPROPRIATE RESPONSE 19 RESPONSE TO EMAIL:  Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 5 DATED 1SEPT20 5:34pm NOTE : RESPONDING TO EMAIL NOT ADDRESSED TO HIM CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso, I’m writing to acknowledge receipt of your email below. I am the Claim Team Manager responsible for the supervision of claim 55-06C6-44X submitted by Miriam Brual and Rosalina Buensuceso and will respond to your email. Your email does not provide any new information for us to evaluate on this claim. We previously communicated to you that State Farm will no longer respond to your emails which do not provide any new information for us to evaluate on this claim. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all such rights in the past, present, and future.  If you send in new information that warrants consideration, then we would provide you a substantive response.  Your email contains allegations of misconduct by State Farm, Claim Specialist Gordon Liu and me. All such contentions are denied. We handle each claim on its own merits. State Farm, Claim Specialist Gordon Liu and I have complied with the implied covenant of good faith and fair dealing in the investigation and handling of this claim. 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. 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

STATE FARM INAPPROPRIATE RESPONSE 18 DATED 2SEPT20 12:27PM

INAPPROPRIATE RESPONSE 18 RESPONSE TO EMAIL:  Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 4 DATED 1SEPT20 5:16pm NOTE : RESPONDING TO EMAIL NOT ADDRESSED TO HIM CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso, I’m writing to acknowledge receipt of your email below. I am the Claim Team Manager responsible for the supervision of claim 55-06C6-44X submitted by Miriam Brual and Rosalina Buensuceso and will respond to your email. State Farm General Insurance Company did not retain John Titouah and did not pay John Titouah. Your email does not provide any new information for us to evaluate on this claim. We previously communicated to you that State Farm will no longer respond to your emails which do not provide any new information for us to evaluate on this claim. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all such rights in the past, present, and future.  If you send in new information that warrants consideration, then we would provide you a substantive response.  Your email contains allegations of misconduct by State Farm, Claim Specialist Gordon Liu and me. All such contentions are denied. We handle each claim on its own merits. State Farm, Claim Specialist Gordon Liu and I have complied with the implied covenant of good faith and fair dealing in the investigation and handling of this claim. 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. 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

STATE FARM INAPPROPRIATE RESPONSE 17 DATED 2SEPT20 12:25PM

INAPPROPRIATE RESPONSE 17 RESPONSE TO EMAIL: Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUH QUESTION 3 dated September 1, 2020 4:25pm NOTE : RESPONDING TO EMAIL NOT ADDRESSED TO HIM CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso, I’m writing to acknowledge receipt of your email below. I am the Claim Team Manager responsible for the supervision of claim 55-06C6-44X submitted by Miriam Brual and Rosalina Buensuceso and will respond to your email. State Farm General Insurance Company did not retain John Titouah and did not pay John Titouah. Your email does not provide any new information for us to evaluate on this claim. We previously communicated to you that State Farm will no longer respond to your emails which do not provide any new information for us to evaluate on this claim. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all such rights in the past, present, and future.  If you send in new information that warrants consideration, then we would provide you a substantive response.  Your email contains allegations of misconduct by State Farm, Claim Specialist Gordon Liu and me. All such contentions are denied. We handle each claim on its own merits. State Farm, Claim Specialist Gordon Liu and I have complied with the implied covenant of good faith and fair dealing in the investigation and handling of this claim. 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. 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

STATE FARM INAPPROPRIATE RESPONSE 16 DATED 2SEPT20 12:22PM

INAPPROPRIATE RESPONSE 16 RESPONSE TO EMAIL: Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 14 DATED SEPTEMBER 1, 2020 2:36pm NOTE : RESPONDING TO EMAIL NOT ADDRESSED TO HIM CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso, I’m writing to acknowledge receipt of your email below. I am the Claim Team Manager responsible for the supervision of claim 55-06C6-44X submitted by Miriam Brual and Rosalina Buensuceso and will respond to your email. Your email does not provide any new information for us to evaluate on this claim. We previously communicated to you that State Farm will no longer respond to your emails which do not provide any new information for us to evaluate on this claim. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all such rights in the past, present, and future.  If you send in new information that warrants consideration, then we would provide you a substantive response.  Your email contains allegations of misconduct by State Farm, Claim Specialist Gordon Liu and me. All such contentions are denied. We handle each claim on its own merits. State Farm, Claim Specialist Gordon Liu and I have complied with the implied covenant of good faith and fair dealing in the investigation and handling of this claim. 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. 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

STATE FARM INAPPROPRIATE RESPONSE 15 DATED 2SEPT20 8:37AM

INAPPROPRIATE RESPONSE 15 RESPONSE TO EMAIL: Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 2 7:01pm CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso, We previously communicated to you that State Farm will no longer respond to your emails which do not provide any new information for us to evaluate on this claim. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all such rights in the past, present, and future.  If you send in new information that warrants consideration, then we would provide you a substantive response.  Your August 31, 2020 7:01 PM email alleges State Farm has not provided you with a copy of “live video footages from Titouah”.  A copy of claim-related documents, as defined by Insurance Code Section 10082.3, for claim 55-06C6-44X were previously provided to you.  That included a complete copy of the virtual inspection photos.  Claim file notes are not considered claim-related documents and will not be provided. State Farm General Insurance Company does not have any “live video footages”.  The photos taken during the virtual inspection are included on the Photo Media Sheet previously provided to you. Your statement “You, Mr. Liu, might have have committed and been continuing committing the crime of destroying or concealing evidence and continuing hiding it from me up to this date constitutes intentional and deliberate effort to prevent it from being produced and remained concealed from me” is false.  Your contention is denied.  As noted above, State Farm, and Mr. Liu, have provided you with the claim-related documents.  The “live video footages from Titouah” that you allege exist, don’t exist with State Farm General Insurance Company or Mr. Liu. 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. 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 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 7 DATED 2SEPT20 4:53am

SEPTEMBER 2,  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 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUESTION 7  DID YOU GET THE INFORMATION FROM TITOUAH THROUGH THE PHONE OR BY PERSONAL INTERVIEW? Dear Mr. Liu: PLEASE SEE, ON PAR.2 June 12, 2020 DENIAL LETTER You wrote, "As outlined in our May 6, 2020 declination letter, the predominant cause of the water damages was wear, tear, and deterioration to the forty one year old "hot" side copper water line located under the concrete foundation which resulted in a continuous and repeated seepage of water below the foundation, eventually migrated upwards and manifested itself on the date of the discovery to the interior of the home. My virtual inspection on May 5, 2020, the photographs of the excavating of the pipe, multiple discussions with All Express Plumbing, his written report and a detailed follow up conversation with the plumber, John Titouah on June 5, 2020 confirmed all the original facts of the loss." PAR. 2 DENIAL LETTER dated August 14, 2020  You wrote, "Our letter dated July 31, 2020 confirmed that the information provided by John Titouah was provided verbally and not in a written form. We disagree that information communicated verbally by a witnesses is useless.. COMMENTS: You wrote, specifically, " Our letter dated July 31, 2020 confirmed that the information provided by John Titouah was provided verbally and not in a written form. "  THIS MEANS THAT THIS TIME YOU, MR. LIU,  IS DENYING THE EXISTENCE OF A WRITTEN REPORT BY TITOUAH BUT THE INFORMATION IS PROVIDED BY TITOUAH VERBALLY ONLY. DID YOU GET THE INFORMATION FROM TITOUAH THROUGH THE PHONE OR PERSONAL INTERVIEW?  I MADE THE QUESTION VERY SIMPLE SO THAT YOU CAN RESPOND AT ONCE.  QUESTION 7. DID YOU GET THE INFORMATION FROM TITOUAH THROUGH THE TELEPHONE OR BY PERSONAL INTERVIEW? Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. 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