CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE
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. 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. 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. This claim has been denied as explained in our letters and responsive emails and the file remains closed. All conditions previously quoted still apply.
State Farm previously responded to your emails that contained allegations of misconduct by Claim Specialist Gordon Liu, State Farm and me. Your email contains allegations of misconduct by 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.
Your emails have become harassing and I respectfully request you cease.
In the future, 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.
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
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