Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 62 DATED 29DEC20 8:50PM

DECEMBER 29, 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 STATE FARM INAPPROPRIATE RESPONSE 62 DATED 29DEC20 2:57PM NOTES ON IMPROPRIETY : PERTAINING TO INAPPROPRIATE RESPONSE 62. NUMBER 1. MR. GUENIOT, THE ASSISTANCE SOUGHT IS,  PLEASE PROVIDE A CONCISE SUBSTANTIVE DENIAL LETTER ON MY CLAIMS FOR SECONDARY DAMAGES FILED IN JUNE 2020 AND VANDALISM WHICH COVERAGE I DISCOVERED JUST IN NOVEMBER 4, 2020 WHEN YOU BELATEDLY FURNISHED ME WITH THE COPY OF THE POLICY BEYOND ON WHAT IS REQUIRED BY THE REGULATION. TO WIT: FAILURE TO PROVIDE WRITTEN A CLEAR SUBSTANTIVE DENIAL DOCUMENTS CORRESPONDING TO THEM  ARE CLEAR VIOLATIONS  OF SECTION 2695.5.  Section 2695.5. Duties upon Receipt of Communications (b) Upon receiving any communication from a claimant, regarding a claim, that reasonably suggests that a response is expected, every licensee shall immediately, but in no event more than fifteen (15) calendar days after receipt of that communication, furnish the claimant with a complete response based on the facts as then known by the licensee. This subsection shall not apply to require communication with a claimant subsequent to receipt by the licensee of a notice of legal action by that claimant. NUMBER 2. DELIBERATE INTENTION TO SOW CONFUSION. IT IS AN IMPROPER RESPONSE FOR RESPONDING TO AN EMAIL ASKING FOR A CLEAR AND CONCISE DENIAL LETTER LIKE "As I previously communicated to you on November 13, 2020, 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. " WHERE IN YOUR EMAIL IN NOVEMBER 13, 2020 YOU PROVIDE A REASONABLE EXPLANATION? YOU  DID NOT EVEN MENTION OF MY DAMAGES CLAIM FROM VANDALISM COMMITTED BY YOUR INFORMANT PLUMBER TITOUAH? NUMBER 3.  YOU ARE SAYING "we have done our best" WHAT EFFORTS HAVE YOU MADE TO EXPLAIN YOUR POSITION? WHAT YOU HAVE WRITTEN ME ARE JUST A TEMPLATE OF EMPTY AND UNSUBSTANTIATED FIVE (5), THREE (3) OR LESSER FEEBLE MINDED OR FEW INSANE SENTENCES, REPEATEDLY ALL OVER AGAIN. WHAT YOU HAVE DONE BEST IS TO SOW MORE AND MORE CONFUSIONS AND FRIVOLOUS DELAY TO DETER ME CONTINUING NEGOTIATIONS WITH YOU. BUT I ASSURE YOU, I WILL CONTINUE GOOD FAITH NEGOTIATIONS WITH YOU THOUGH YOU CONTINUALLY DISPLAY OBVIOUS AND REPREHENSIBLE MANIFESTATIONS OF BAD FAITH. NUMBER 4.  MR. GUENIOT , PLEASE DO NOT DERAIL EFFORTS TO RESOLVE THIS CONFLICT TOWARD A HOLISTIC RESOLUTION. THIS EMAIL WHICH YOU ARE RESPONDING TO IS INTENDED FOR MR. EDDIE ATCHLEY AND NOT FOR YOU TO ANSWER. I FURNISHED YOU A COPY OF IT FOR THE SAKE OF COURTESY JUST TO LET YOU KNOW THAT I AM PRUDENTLY EXPLORING OPTIONS TO NEGOTIATE THESE INSURANCE CLAIMS BETWEEN RESPECTABLE AND HONORABLE MEN. STATE FARM INSURANCE COMPANY DESERVES MEN OF HIGH HONOR AND INTEGRITY IN THE EXACT OPPOSITE OF WHAT YOU ARE SHOWING. PLEASE LET MR. EDDIE ATCHLEY DO WHATEVER HE COULD TO HELP US OUT OF THIS PREDICAMENT. INAPPROPRIATE RESPONSE 62 REPEATED MISCONDUCTS FROM INAPPROPRIATE RESPONSES MULTIPLE MISCONDUCTS  1 TO 8 AND 9/10/11/12/13 AND 14 AND 15/16/17/18/19/20/21/22/23/24/25/26/27/28/29/30/31/32/33/34/35/36 AND 37/38/39/40/41/42/43/44/45/46/47/48/49/50/51/52/53/54/55/56/57/58/59 BEING NOT DISPUTED, OBJECTED AND HABITUALLY REPEATED WITH IMPUNITY.  HENCE, PROVEN TO BE INTENTIONAL, DELIBERATE, MALICIOUS, WILLFUL, WANTON, OPPRESSIVE AND OUTRAGEOUS AND BEYOND REASONABLE DOUBT Dear Messrs Gueniot and Liu: PLEASE SEE, As Mr. Gueniot responded to email as shown next: Claim Number 55-06c6-44x REQUEST FOR ASSISTANCE FROM STATE FARM INSURANCE AGENT DATED 29DEC20 2:37PM NOTES ON IMPROPRIETY : PERTAINING TO INAPPROPRIATE RESPONSE 62 SHOWN ABOVE. THIS SHOWS: EVIDENCE OF THE 62ND RECORDED MISCONDUCT, PROOF BEYOND REASONABLE DOUBT OF, REPEATED HABITUALLY, INTENTIONALLY,  DELIBERATELY OF MISCONDUCTS RESPONDING TO EMAILS SUBJECT OUTSIDE OF THE SUBJECT UNDER DISCUSSION AND/OR RESPONDING TO EMAILS NOT ADDRESSED TO HIM TO RESPOND AND/OR RESPONDING TO SEVERAL EMAILS ONCE LEAVING OTHER EMAILS NOT RESPONDED. AND VIOLATION OF DUTIES UPON RECEIPT OF COMMUNICATION SECTION 2695. HE HAD SHOWN A TOTAL OF SIXTY TWO (62) RECORDED INAPPROPRIATE RESPONSES AND/OR MISCONDUCTS TO SOW CONFUSION AND INTENTIONALLY AND DELIBERATELY DERAIL AND DELAY THE PROCEEDINGS. HOWEVER, AGAIN, HIS  INAPPROPRIATE RESPONSE 62,  THOUGH WORTHLESS  SIMPLY BECAUSE THE CONTENTS ARE NOT RELATED TO THE QUESTION POSTED FOR HIM TO ADDRESS AND/OR OUTSIDE OF THE SUBJECT MATTER OF THE DISCUSSION AND/OR PROFESSIONALLY DISRESPECTFUL RESPONSE BUT BECOME A BIG HELP TO BOLSTER MANIFESTATION OF BAD FAITH CLAIM AGAINST STATE FARM. YOUR ACTIONS, MR. GUENIOT TEND TO SHOW  THAT YOU MIGHT BE THE REAL MASTERMIND OF  TITOUAH'S CRIMES. SO, MR. GUENIOT, AGAIN, MAY I REQUEST FOR YOUR KIND UNDERSTANDING. WE NEED TO HAVE OUR NEGOTIATION ORGANIZED AND RECORDS CLEAR,  SO THAT WE MAY AVOID CONFUSION. OBVIOUSLY, IT APPEARS THAT YOU WANTED MUCH EAGERLY TO CLOSE THE NEGOTIATION AND THE INVESTIGATION PROCESS. HOWEVER, YOUR EFFORTS ARE IN VAIN AS I SEE YOUR INAPPROPRIATE RESPONSES NOW ARE WANING TO ONLY FEW OR FIVE (5) OR THREE (3) WEAK,  SENILE FEEBLE AND DESPICABLE PARAGRAPHS  AND THUS, SIMPLY THIS FACT LEAD ME TO THINK YOU  REALLY JUST WANTED TO AVOID QUESTIONS, WHICH ANSWERS OR NO ANSWER FROM YOU TEND TO SPILL THE BEANS OF MOST PROBABLY TITOUAH AND YOUR CRIMES IN PARTNERSHIP WITH HIM SIMPLY BY READING THE QUERIES SPECIALLY CRAFTED FOR YOU, WITH OR WITHOUT YOUR ANSWERS. Please acknowledge receipt of this e-mail. THIS EMAIL RESPONSE IS INTENDED FOR YOUR  COLLECTION OF NEW INFORMATION ON INAPPROPRIATE RESPONSES WHICH TO MY TALLY RIGHT NOW ROSE TO 62.  IN OTHER WORDS,  SIXTY TWO (62) COUNTS OF STATE FARM RECORDED MISCONDUCTS. THOSE UNRECORDED MISCONDUCTS, I AM STILL COLLECTING THEM AND I PROMISE I WILL ADD THEM TO THE LIST WHICH INFORMATION YOU MAY STILL WANTED TO KNOW. PLEASE RESTRICT ISSUES WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS AND CONFUSION. PLEASE NOTE THAT THIS TIME YOU WROTE A LOUSY REPLY TAKEN BASED FROM A TEMPLATE IN A MATTER OF JUST A FEW HOURS TO DEVIATE ATTENTION FROM WHAT YOU ARE HABITUALLY DOING, BUT IT DID NOT ERASE NOR BLEMISH THE ESTABLISHED FACT THAT THE MAY 6, 2020 DENIAL LETTER IS PART OF YOUR PLAN CONCEIVED AND PREPARED MANY DAYS IN ADVANCE. Thank you very much. Yours faithfully, Antonio L. Buensuceso

Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 61DATED 29DEC20 6:11PM

DECEMBER 29, 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 STATE FARM INAPPROPRIATE RESPONSE 61DATED 29DEC20 2:57PM NOTES ON IMPROPRIETY : PERTAINING TO INAPPROPRIATE RESPONSE 61. NUMBER 1. MR. GUENIOT, THE ASSISTANCE SOUGHT IS,  PLEASE PROVIDE A CONCISE SUBSTANTIVE DENIAL LETTER ON MY CLAIMS FOR SECONDARY DAMAGES FILED IN JUNE 2020 AND VANDALISM WHICH COVERAGE I DISCOVERED JUST IN NOVEMBER 4, 2020 WHEN YOU BELATEDLY FURNISHED ME WITH THE COPY OF THE POLICY BEYOND ON WHAT IS REQUIRED BY THE REGULATION. TO WIT: FAILURE TO PROVIDE WRITTEN A CLEAR SUBSTANTIVE DENIAL DOCUMENTS CORRESPONDING TO THEM  ARE CLEAR VIOLATIONS  OF SECTION 2695.5.  Section 2695.5. Duties upon Receipt of Communications (b) Upon receiving any communication from a claimant, regarding a claim, that reasonably suggests that a response is expected, every licensee shall immediately, but in no event more than fifteen (15) calendar days after receipt of that communication, furnish the claimant with a complete response based on the facts as then known by the licensee. This subsection shall not apply to require communication with a claimant subsequent to receipt by the licensee of a notice of legal action by that claimant. NUMBER 2. DELIBERATE INTENTION TO SOW CONFUSION. IT IS AN IMPROPER RESPONSE FOR RESPONDING TO AN EMAIL ASKING FOR A CLEAR AND CONCISE DENIAL LETTER LIKE "As I previously communicated to you on November 13, 2020, 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. " WHERE IN YOUR EMAIL IN NOVEMBER 13, 2020 YOU PROVIDE A REASONABLE EXPLANATION? YOU  DID NOT EVEN MENTION OF MY DAMAGES CLAIM FROM VANDALISM COMMITTED BY YOUR INFORMANT PLUMBER TITOUAH? NUMBER 3.  YOU ARE SAYING "we have done our best" WHAT EFFORTS HAVE YOU MADE TO EXPLAIN YOUR POSITION? WHAT YOU HAVE WRITTEN ME ARE JUST A TEMPLATE OF EMPTY AND UNSUBSTANTIATED THREE (3) OR LESSER FEEBLE MINDED OR FEW INSANE SENTENCES, REPEATEDLY ALL OVER AGAIN. WHAT YOU HAVE DONE BEST IS TO SOW MORE AND MORE CONFUSIONS AND FRIVOLOUS DELAY TO DETER ME CONTINUING NEGOTIATIONS WITH YOU. BUT I ASSURE YOU, I WILL CONTINUE GOOD FAITH NEGOTIATIONS WITH YOU THOUGH YOU CONTINUALLY DISPLAY OBVIOUS AND REPREHENSIBLE MANIFESTATIONS OF BAD FAITH. INAPPROPRIATE RESPONSE 61 REPEATED MISCONDUCTS FROM INAPPROPRIATE RESPONSES MULTIPLE MISCONDUCTS  1 TO 8 AND 9/10/11/12/13 AND 14 AND 15/16/17/18/19/20/21/22/23/24/25/26/27/28/29/30/31/32/33/34/35/36 AND 37/38/39/40/41/42/43/44/45/46/47/48/49/50/51/52/53/54/55/56/57/58/59/60 BEING NOT DISPUTED, OBJECTED AND HABITUALLY REPEATED WITH IMPUNITY.  HENCE, PROVEN TO BE INTENTIONAL, DELIBERATE, MALICIOUS, WILLFUL, WANTON, OPPRESSIVE AND OUTRAGEOUS AND BEYOND REASONABLE DOUBT Dear Messrs Gueniot and Liu: PLEASE SEE, As Mr. Gueniot responded to email as shown next: Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 60 DATED 29DEC20 11:09AM NOTES ON IMPROPRIETY : PERTAINING TO INAPPROPRIATE RESPONSE 60. NUMBER 1. MR. GUENIOT, THE ASSISTANCE SOUGHT IS,  PLEASE PROVIDE A CONCISE SUBSTANTIVE DENIAL LETTER ON MY CLAIMS FOR SECONDARY DAMAGES FILED IN JUNE 2020 AND VANDALISM WHICH COVERAGE I DISCOVERED JUST IN NOVEMBER 4, 2020 WHEN YOU BELATEDLY FURNISHED ME WITH THE COPY OF THE POLICY BEYOND ON WHAT IS REQUIRED BY THE REGULATION. TO WIT: FAILURE TO PROVIDE WRITTEN A CLEAR SUBSTANTIVE DENIAL DOCUMENTS CORRESPONDING TO THEM  ARE CLEAR VIOLATIONS  OF SECTION 2695.5.  NUMBER 2. DELIBERATE INTENTION TO SOW CONFUSION. IT IS AN IMPROPER RESPONSE FOR RESPONDING TO AN EMAIL ASKING FOR A CLEAR AND CONCISE DENIAL LETTER LIKE "As I previously communicated to you on November 13, 2020, 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. " WHERE IN YOUR EMAIL IN NOVEMBER 13, 2020 YOU MENTIONED OF MY DAMAGES CLAIM FROM VANDALISM COMMITTED BY YOUR INFORMANT PLUMBER TITOUAH? NUMBER 3.  YOU ARE SAYING "we have done our best" WHAT EFFORTS HAVE YOU MADE TO EXPLAIN YOUR POSITION? WHAT YOU HAVE WRITTEN ME ARE JUST A TEMPLATE OF EMPTY AND UNSUBSTANTIATED FIVE (5) FEEBLE MINDED OR FEW INSANE SENTENCES, REPEATEDLY ALL OVER AGAIN? WHAT YOU HAVE DONE BEST IS TO SOW MORE AND MORE CONFUSIONS AND FRIVOLOUS DELAY TO DETER ME CONTINUING NEGOTIATIONS WITH YOU. BUT I ASSURE YOU, I WILL CONTINUE GOOD FAITH NEGOTIATIONS WITH YOU THOUGH YOU CONTINUALLY DISPLAY OBVIOUS AND REPREHENSIBLE MANIFESTATIONS OF BAD FAITH. THIS SHOWS: EVIDENCE OF THE 61ST RECORDED MISCONDUCT, PROOF BEYOND REASONABLE DOUBT OF, REPEATED HABITUALLY, INTENTIONALLY,  DELIBERATELY OF MISCONDUCTS RESPONDING TO EMAILS SUBJECT OUTSIDE OF THE SUBJECT UNDER DISCUSSION AND/OR RESPONDING TO EMAILS NOT ADDRESSED TO HIM TO RESPOND AND/OR RESPONDING TO SEVERAL EMAILS ONCE LEAVING OTHER EMAILS NOT RESPONDED. AND VIOLATION OF DUTIES UPON RECEIPT OF COMMUNICATION SECTION 2695. HE HAD SHOWN A TOTAL OF SIXTY-ONE (61) RECORDED INAPPROPRIATE RESPONSES AND/OR MISCONDUCTS TO SOW CONFUSION AND INTENTIONALLY AND DELIBERATELY DERAIL AND DELAY THE PROCEEDINGS. HOWEVER, AGAIN, HIS  INAPPROPRIATE RESPONSE 61 THOUGH WORTHLESS  SIMPLY BECAUSE THE CONTENTS ARE NOT RELATED TO THE QUESTION POSTED FOR HIM TO ADDRESS AND/OR OUTSIDE OF THE SUBJECT MATTER OF THE DISCUSSION AND/OR PROFESSIONALLY DISRESPECTFUL RESPONSE BUT BECOME A BIG HELP TO BOLSTER MANIFESTATION OF BAD FAITH CLAIM AGAINST STATE FARM. YOUR ACTIONS, MR. GUENIOT TEND TO SHOW  THAT YOU MIGHT BE THE REAL MASTERMIND OF  TITOUAH'S CRIMES. SO, MR. GUENIOT, AGAIN, MAY I REQUEST FOR YOUR KIND UNDERSTANDING. WE NEED TO HAVE OUR NEGOTIATION ORGANIZED AND RECORDS CLEAR,  SO THAT WE MAY AVOID CONFUSION. OBVIOUSLY, IT APPEARS THAT YOU WANTED MUCH EAGERLY TO CLOSE THE NEGOTIATION AND THE INVESTIGATION PROCESS. HOWEVER, YOUR EFFORTS ARE IN VAIN AS I SEE YOUR INAPPROPRIATE RESPONSES NOW ARE WANING TO ONLY FEW OR THREE (3) WEAK,  SENILE FEEBLE AND DESPICABLE PARAGRAPHS  AND THUS, SIMPLY THIS FACT LEAD ME TO THINK YOU  REALLY JUST WANTED TO AVOID QUESTIONS, WHICH ANSWERS OR NO ANSWER FROM YOU TEND TO SPILL THE BEANS OF MOST PROBABLY TITOUAH AND YOUR CRIMES IN PARTNERSHIP WITH HIM SIMPLY BY READING THE QUERIES SPECIALLY CRAFTED FOR YOU, WITH OR WITHOUT YOUR ANSWERS. Please acknowledge receipt of this e-mail. THIS EMAIL RESPONSE IS INTENDED FOR YOUR  COLLECTION OF NEW INFORMATION ON INAPPROPRIATE RESPONSES WHICH TO MY TALLY RIGHT NOW ROSE TO 59.  IN OTHER WORDS,  SIXTY ONE (61) COUNTS OF STATE FARM RECORDED MISCONDUCTS. THOSE UNRECORDED MISCONDUCTS, I AM STILL COLLECTING THEM AND I PROMISE I WILL ADD THEM TO THE LIST WHICH INFORMATION YOU MAY STILL WANTED TO KNOW. PLEASE RESTRICT ISSUES WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS AND CONFUSION. PLEASE NOTE THAT THIS TIME YOU WROTE A LOUSY REPLY TAKEN BASED FROM A TEMPLATE IN A MATTER OF JUST A FEW HOURS TO DEVIATE ATTENTION FROM WHAT YOU ARE HABITUALLY DOING, BUT IT DID NOT ERASE NOR BLEMISH THE ESTABLISHED FACT THAT THE MAY 6, 2020 DENIAL LETTER IS PART OF YOUR PLAN CONCEIVED AND PREPARED MANY DAYS IN ADVANCE. Thank you very much. Yours faithfully, Antonio L. Buensuceso

STATE FARM INAPPROPRIATE RESPONSE 62 DATED 29DEC20 2:57PM

INAPPROPRIATE RESPONSE 62 INAPPROPRIATE RESPONSE TO EMAIL: Claim Number 55-06c6-44x REQUEST FOR ASSISTANCE STATE FARM INSURANCE AGENT DATED 29DEC20 2:37PM NOTES ON IMPROPRIETY : PERTAINING TO INAPPROPRIATE RESPONSE 62. NUMBER 1. MR. GUENIOT, THE ASSISTANCE SOUGHT IS,  PLEASE PROVIDE A CONCISE SUBSTANTIVE DENIAL LETTER ON MY CLAIMS FOR SECONDARY DAMAGES FILED IN JUNE 2020 AND VANDALISM WHICH COVERAGE I DISCOVERED JUST IN NOVEMBER 4, 2020 WHEN YOU BELATEDLY FURNISHED ME WITH THE COPY OF THE POLICY BEYOND ON WHAT IS REQUIRED BY THE REGULATION. TO WIT: FAILURE TO PROVIDE WRITTEN A CLEAR SUBSTANTIVE DENIAL DOCUMENTS CORRESPONDING TO THEM  ARE CLEAR VIOLATIONS  OF SECTION 2695.5.  NUMBER 2. DELIBERATE INTENTION TO SOW CONFUSION. IT IS AN IMPROPER RESPONSE FOR RESPONDING TO AN EMAIL ASKING FOR A CLEAR AND CONCISE DENIAL LETTER LIKE "As I previously communicated to you on November 13, 2020, 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. " WHERE IN YOUR EMAIL IN NOVEMBER 13, 2020 YOU DID NOT MENTION OF MY DAMAGES CLAIM FROM VANDALISM COMMITTED BY YOUR INFORMANT PLUMBER TITOUAH? NUMBER 3.  YOU ARE SAYING "we have done our best" WHAT EFFORTS HAVE YOU MADE TO EXPLAIN YOUR POSITION? WHAT YOU HAVE WRITTEN ME ARE JUST A TEMPLATE OF EMPTY AND UNSUBSTANTIATED FIVE (5) FEEBLE MINDED OR FEW INSANE SENTENCES, REPEATEDLY ALL OVER AGAIN? WHAT YOU HAVE DONE BEST IS TO SOW MORE AND MORE CONFUSIONS TO DETER ME CONTINUING NEGOTIATIONS WITH YOU AND SUBJECT OUR CLAIM TO FRIVOLOUS DELAYS.  BUT I ASSURE YOU, I WILL CONTINUE GOOD FAITH NEGOTIATIONS WITH YOU THOUGH YOU ARE CONTINUALLY DISPLAYING OBVIOUS AND REPREHENSIBLE MANIFESTATIONS OF BAD FAITH AND/OR I WILL EXHAUST ALL ADMINISTRATIVE DISPUTE RESOLUTIONS AVAILABLE  BE IT WITHIN THE PREMISES OF STATE FARM, THROUGH MS. TIFFANY WYATT OR THROUGH THE MANAGERS ABOVE YOU OR THROUGH OUR INSURANCE AGENT, MR. EDDIE ATCHLEY OR THROUGH PUBLIC ADJUSTING SERVICES. I WOULD LIKE TO REITERATE THAT I WILL CONTINUE MY GOOD FAITH NEGOTIATIONS WITH YOU AND STATE FARM UNTIL I HAVE EXHAUSTED ALL ADMINISTRATIVE REMEDIES AVAILABLE. NUMBER 4. MR. GUENIOT PLEASE DO NOT DERAIL EFFORTS TO RESOLVE THIS CONFLICT  TOWARD A HOLISTIC RESOLUTION. THIS EMAIL WHICH YOU ARE RESPONDING TO IS INTENDED FOR  MR. EDDIE ATCHLEY AND NOT FOR YOU TO ANSWER. I FURNISHED YOU A COPY OF IT FOR THE SAKE OF COURTESY JUST TO LET YOU KNOW THAT I AM PRUDENTLY EXPLORING OPTIONS TO NEGOTIATE THESE INSURANCE CLAIMS BETWEEN RESPECTABLE AND HONORABLE MEN. STATE FARM INSURANCE COMPANY DESERVES MEN OF HIGH HONOR AND INTEGRITY IN THE EXACT OPPOSITE OF WHAT YOU ARE SHOWING. PLEASE LET MR. EDDIE ATCHLEY DO WHATEVER HE COULD TO HELP US OUT OF THIS PREDICAMENT. HIGHLIGHTS :  REITERATION OF SUBSTANTIVE DENIAL LETTERS ON VANDALISM FILED IN NOVEMBER 2020 AND SECONDARY DAMAGES CLAIM FILED IN JUNE 2020. NUMBER 1. MR. GUENIOT, THE ASSISTANCE SOUGHT IS,  PLEASE PROVIDE A CONCISE SUBSTANTIVE DENIAL LETTER ON MY CLAIMS FOR SECONDARY DAMAGES FILED IN JUNE 2020 AND VANDALISM WHICH COVERAGE I DISCOVERED JUST IN NOVEMBER 4, 2020 WHEN YOU BELATEDLY FURNISHED ME WITH THE COPY OF THE POLICY BEYOND ON WHAT IS REQUIRED BY THE REGULATION. TO WIT: FAILURE TO PROVIDE WRITTEN A CLEAR SUBSTANTIVE DENIAL DOCUMENTS CORRESPONDING TO THEM  ARE CLEAR VIOLATIONS  OF SECTION 2695.5.  NUMBER 2. DELIBERATE INTENTION TO SOW CONFUSION. IT IS AN IMPROPER RESPONSE FOR RESPONDING TO EMAILS WITH DIFFERENT SUBJECTS WHICH TEND TO CREATE MORE CONFUSIONS. DENIALS AND ASSERTIONS NEEDED TO BE  SUBSTANTIATED, OTHERWISE, CRIMINALS MERE  SAYING EMPTY WORDS OF DENIAL AND STATEMENTS  WOULD NEVER BE CONVICTED. CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso,   I’m writing to acknowledge receipt of the email below that was sent to Eddie Atchley since you forwarded a copy to me.   This claim file remains closed.  Our position as communicated in our letters and responsive emails are unchanged.  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, Claims 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.     Your email contains allegations of misconduct. All such contentions are denied. 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 rights under the policy and the law.    Sincerely,   Louis     Louis E Gueniot III Claim Team Manager State Farm General Insurance Company

STATE FARM INAPPROPRIATE RESPONSE 61DATED 29DEC20 2:57PM

INAPPROPRIATE RESPONSE 61 INAPPROPRIATE RESPONSE TO EMAIL: Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 60 DATED 29DEC20 11:09AM NOTES ON IMPROPRIETY : PERTAINING TO INAPPROPRIATE RESPONSE 60. NUMBER 1. MR. GUENIOT, THE ASSISTANCE SOUGHT IS,  PLEASE PROVIDE A CONCISE SUBSTANTIVE DENIAL LETTER ON MY CLAIMS FOR SECONDARY DAMAGES FILED IN JUNE 2020 AND VANDALISM WHICH COVERAGE I DISCOVERED JUST IN NOVEMBER 4, 2020 WHEN YOU BELATEDLY FURNISHED ME WITH THE COPY OF THE POLICY BEYOND ON WHAT IS REQUIRED BY THE REGULATION. TO WIT: FAILURE TO PROVIDE WRITTEN A CLEAR SUBSTANTIVE DENIAL DOCUMENTS CORRESPONDING TO THEM  ARE CLEAR VIOLATIONS  OF SECTION 2695.5.  NUMBER 2. DELIBERATE INTENTION TO SOW CONFUSION. IT IS AN IMPROPER RESPONSE FOR RESPONDING TO AN EMAIL ASKING FOR A CLEAR AND CONCISE DENIAL LETTER LIKE "As I previously communicated to you on November 13, 2020, 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. " WHERE IN YOUR EMAIL IN NOVEMBER 13, 2020 YOU DID NOT MENTION OF MY DAMAGES CLAIM FROM VANDALISM COMMITTED BY YOUR INFORMANT PLUMBER TITOUAH? NUMBER 3.  YOU ARE SAYING "we have done our best" WHAT EFFORTS HAVE YOU MADE TO EXPLAIN YOUR POSITION? WHAT YOU HAVE WRITTEN ME ARE JUST A TEMPLATE OF EMPTY AND UNSUBSTANTIATED FIVE (5) FEEBLE MINDED OR FEW INSANE SENTENCES, REPEATEDLY ALL OVER AGAIN? WHAT YOU HAVE DONE BEST IS TO SOW MORE AND MORE CONFUSIONS TO DETER ME CONTINUING NEGOTIATIONS WITH YOU AND SUBJECT OUR CLAIM TO FRIVOLOUS DELAYS.  BUT I ASSURE YOU, I WILL CONTINUE GOOD FAITH NEGOTIATIONS WITH YOU THOUGH YOU ARE CONTINUALLY DISPLAYING OBVIOUS AND REPREHENSIBLE MANIFESTATIONS OF BAD FAITH AND/OR I WILL EXHAUST ALL ADMINISTRATIVE DISPUTE RESOLUTIONS AVAILABLE  BE IT WITHIN THE PREMISES OF STATE FARM, THROUGH MS. TIFFANY WYATT OR THROUGH THE MANAGERS ABOVE YOU OR THROUGH OUR INSURANCE AGENT, MR. EDDIE ATCHLEY OR THROUGH PUBLIC ADJUSTING SERVICES. I WOULD LIKE TO REITERATE THAT I WILL CONTINUE MY GOOD FAITH NEGOTIATIONS WITH YOU AND STATE FARM UNTIL I HAVE EXHAUSTED ALL ADMINISTRATIVE REMEDIES AVAILABLE. HIGHLIGHTS :  REITERATION OF SUBSTANTIVE DENIAL LETTERS ON VANDALISM FILED IN NOVEMBER 2020 AND SECONDARY DAMAGES CLAIM FILED IN JUNE 2020. NUMBER 1. MR. GUENIOT, THE ASSISTANCE SOUGHT IS,  PLEASE PROVIDE A CONCISE SUBSTANTIVE DENIAL LETTER ON MY CLAIMS FOR SECONDARY DAMAGES FILED IN JUNE 2020 AND VANDALISM WHICH COVERAGE I DISCOVERED JUST IN NOVEMBER 4, 2020 WHEN YOU BELATEDLY FURNISHED ME WITH THE COPY OF THE POLICY BEYOND ON WHAT IS REQUIRED BY THE REGULATION. TO WIT: FAILURE TO PROVIDE WRITTEN A CLEAR SUBSTANTIVE DENIAL DOCUMENTS CORRESPONDING TO THEM  ARE CLEAR VIOLATIONS  OF SECTION 2695.5.  NUMBER 2. DELIBERATE INTENTION TO SOW CONFUSION. IT IS AN IMPROPER RESPONSE FOR RESPONDING TO EMAILS WITH DIFFERENT SUBJECTS WHICH TEND TO CREATE MORE CONFUSIONS. DENIALS AND ASSERTIONS NEEDED TO BE  SUBSTANTIATED, OTHERWISE, CRIMINALS MERE  SAYING EMPTY WORDS OF DENIAL AND STATEMENTS  WOULD NEVER BE CONVICTED. CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso,   This claim file remains closed.  Our position as communicated in our letters and responsive emails are unchanged.  All conditions previously quoted still apply.    Your email contains allegations of misconduct. All such contentions are denied. 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 rights under the policy and the law.    Sincerely,   Louis     Louis E Gueniot III Claim Team Manager State Farm General Insurance Company