{ "source_filename": "2026-08-21-West-Response-Counter-Motion_7751.pdf", "source_pages": 285, "source_sha256": "22aedef62ecf1c8dd72d4ed269ff9ab36d5d3aa3042b1753a45ee684259288d1", "extraction_date": "2026-09-19", "note": "Source pages reproduced without substantive redaction, new highlighting, or page-content changes. PDF metadata and internal object structure may differ after extraction. Original confidentiality stamps and filing-party highlights are preserved.", "exhibits": [ { "exhibit": 1, "source_pdf_first_page": 20, "source_pdf_last_page": 29, "pages": 10, "title": "Agent complaint and internal service review", "people_or_context": "Chad Harris; Gwen Hodgson; Nicole Manduca; Kathy Ress", "reading_note": "A separate Ohio window claim, not the West roof claim. Includes complaints and a corrective-action review.", "relative_path": "exhibits/exhibit-01.pdf", "sha256": "7a384b6d56e3b2f5285f0a27c7814f30495562b5a867a04f8af93477ea5b1d66" }, { "exhibit": 2, "source_pdf_first_page": 30, "source_pdf_last_page": 33, "pages": 4, "title": "2022 Fire and AWC Claims: Quality Pillar Strategy", "people_or_context": "Dana Jokerst; David Chikahisa; Eric Daly; Nicole Manduca", "reading_note": "Identifies quality-pillar leadership, measures, and tactical planning.", "relative_path": "exhibits/exhibit-02.pdf", "sha256": "004db802c558bcb98c82472ed9363320e8e7aee0d420a1130f7d7c4f7951e0a2" }, { "exhibit": 3, "source_pdf_first_page": 34, "source_pdf_last_page": 34, "pages": 1, "title": "Full roof replacements and opportunity discussion", "people_or_context": "Nicole Manduca; Greg Robinson", "reading_note": "June 2020 discussion of full-roof replacement, small hail, light wind, and tracking payment codes.", "relative_path": "exhibits/exhibit-03.pdf", "sha256": "bb57012c44bac7d7c9ec2904c72fdd24f6bcdf1edeb02a2af50d238564aefc83" }, { "exhibit": 4, "source_pdf_first_page": 35, "source_pdf_last_page": 35, "pages": 1, "title": "Indemnity opportunity and industry comparison", "people_or_context": "Nicole Manduca; Dana Jokerst", "reading_note": "December 2020 discussion linking analytical opportunities to indemnity spending.", "relative_path": "exhibits/exhibit-04.pdf", "sha256": "42d091e64a876e63bd03f7f3163c91a8a2619ea83a4b43727f0589beec8624da" }, { "exhibit": 5, "source_pdf_first_page": 36, "source_pdf_last_page": 42, "pages": 7, "title": "2020 Fire Weather Leadership Business Plan", "people_or_context": "Fire Weather leadership", "reading_note": "The 57% figure combines wind/hail and non-weather water; wind/hail alone is shown at 40% of net paid indemnity.", "relative_path": "exhibits/exhibit-05.pdf", "sha256": "eaf990d5b4b93bf54bd4e76c3f34e4b2a7731833f3cb2e778800a79bc339d099" }, { "exhibit": 6, "source_pdf_first_page": 43, "source_pdf_last_page": 43, "pages": 1, "title": "2020-2021 indemnity decrease and roof-payment ratios", "people_or_context": "Nicole Manduca; Tommy Higa-Seaver; Terrie Lemon", "reading_note": "January 2023 retrospective: about $1.4 billion lower indemnity, with volume down and severity up; full-to-partial ratios.", "relative_path": "exhibits/exhibit-06.pdf", "sha256": "4e9fa4a0364dce8e3946c798fd83e85741e8f657d5d451890ce34254003f9e3e" }, { "exhibit": 7, "source_pdf_first_page": 44, "source_pdf_last_page": 45, "pages": 2, "title": "One-percentage-point financial example", "people_or_context": "Tom Moss; Nicole Manduca", "reading_note": "Conditional example involving claims described as undamaged and uncovered; not a finding of wrongful nonpayment.", "relative_path": "exhibits/exhibit-07.pdf", "sha256": "b31b1abb86a7858f6494c2f5ab058de163406ff8d3b7435bedff62ef197a16e6" }, { "exhibit": 8, "source_pdf_first_page": 46, "source_pdf_last_page": 46, "pages": 1, "title": "Wind/hail dashboard discussion", "people_or_context": "Kathy Ress; Nicole Manduca", "reading_note": "March 2021 dashboard and leadership discussion.", "relative_path": "exhibits/exhibit-08.pdf", "sha256": "05194602a82d539190642048d48e23862d33b3e4eec8a9010f896a0e652acaa0" }, { "exhibit": 9, "source_pdf_first_page": 47, "source_pdf_last_page": 47, "pages": 1, "title": "Management review and customer conversations", "people_or_context": "Wendy Mazza; Nicole Manduca", "reading_note": "September 2020 discussion of expanding review and communicating claim decisions.", "relative_path": "exhibits/exhibit-09.pdf", "sha256": "626e3c7348729722ba4990e7e7a8e5654bdac6d187962d71c9d7d93aaee12c2a" }, { "exhibit": 10, "source_pdf_first_page": 48, "source_pdf_last_page": 52, "pages": 5, "title": "Roof-payment trends, benchmarks, and reversals", "people_or_context": "Nicole Manduca; Kathy Ress; Scott Welsh; Tom Moss; Zach Olson", "reading_note": "Contains full/partial roof charts and a closed-without-payment-to-paid-full-roof metric. Reversal direction matters.", "relative_path": "exhibits/exhibit-10.pdf", "sha256": "fce06644196bf4075249a4e2e8b955dc14f6a7f819c462e9ad5713260c19266a" }, { "exhibit": 11, "source_pdf_first_page": 53, "source_pdf_last_page": 53, "pages": 1, "title": "Wind/hail playbook distribution", "people_or_context": "Nicole Manduca and distribution group", "reading_note": "June 2021 communication, monitoring, and execution instructions.", "relative_path": "exhibits/exhibit-11.pdf", "sha256": "c0bd9015a6b8be1befe3abb46a0a39f1d95924c95828add140cdfc512000e84a" }, { "exhibit": 12, "source_pdf_first_page": 54, "source_pdf_last_page": 56, "pages": 3, "title": "Playbook communication and huddle planning", "people_or_context": "Nicole Manduca; Kathy Ress; Scott Welsh; Steve Meulemans; Angela Mitchell", "reading_note": "Drafting, customer communications, and leadership follow-through.", "relative_path": "exhibits/exhibit-12.pdf", "sha256": "7c475e88778ce7f22be87cf0c5dd2caf3293538f722fea5ad5c6af9908de7d90" }, { "exhibit": 13, "source_pdf_first_page": 57, "source_pdf_last_page": 58, "pages": 2, "title": "Manager approvals and revisiting earlier plays", "people_or_context": "John Christensen; Tom Moss; Scott Welsh", "reading_note": "September 2023 discussion of management approval results; not an overall claim-approval rate.", "relative_path": "exhibits/exhibit-13.pdf", "sha256": "bbbb6d78be7c7d1d303a2a8d9d7259e31b75d992948de81ac9fd9a3deaefd317" }, { "exhibit": 14, "source_pdf_first_page": 59, "source_pdf_last_page": 65, "pages": 7, "title": "Fix Profit Task Force correspondence", "people_or_context": "Jordan Coad; John Christensen; Jon Farney; Michael Roper and others", "reading_note": "Claims and profitability discussions. The 39% closed-without-payment passage appears in an auto-related financial discussion, not a roof-claim dataset.", "relative_path": "exhibits/exhibit-14.pdf", "sha256": "e6d6a69fc86db09c7f324694ef2644ade7bc132e380e3b9b461cba1e2dad59f5" }, { "exhibit": 15, "source_pdf_first_page": 66, "source_pdf_last_page": 67, "pages": 2, "title": "Changing targets to selections in presentation materials", "people_or_context": "Kimberly Rose; Scott Welsh and colleagues", "reading_note": "October 2023 editing instructions. Wording changes invite questions but do not independently establish unlawful conduct.", "relative_path": "exhibits/exhibit-15.pdf", "sha256": "7e58fb443b9cdacb870490d19796e403859c0787e59dba6e488c7c4faf71c1ea" }, { "exhibit": 16, "source_pdf_first_page": 68, "source_pdf_last_page": 71, "pages": 4, "title": "Quality Pillar opportunity-sizing framework", "people_or_context": "Jordan Coad; Nicole Manduca; John Christensen; Tyrone Smith", "reading_note": "August 2023 planning and connections to the profit-task-force process.", "relative_path": "exhibits/exhibit-16.pdf", "sha256": "55fd10609c493846cccb892f9e86402d260d86ad06a3b19f6f39db0181265e6a" }, { "exhibit": 17, "source_pdf_first_page": 72, "source_pdf_last_page": 76, "pages": 5, "title": "Agent Tracy Blair Haus complaint and follow-up", "people_or_context": "Tracy Blair Haus; Kathy Ress; Renee Bass-Taylor and others", "reading_note": "Kentucky agent concerns about repair estimates, customer outcomes, and reputation; includes an internal response plan.", "relative_path": "exhibits/exhibit-17.pdf", "sha256": "88292debeb1b1ceda107979d2cddd41efcb51ee679c301fd1bb163f35a49cb2c" }, { "exhibit": 18, "source_pdf_first_page": 77, "source_pdf_last_page": 79, "pages": 3, "title": "Agency leadership complaints about fire and roof claims", "people_or_context": "Jennifer Chandler; Debbie Myers; Nicole Manduca", "reading_note": "April 2021 concerns over communications, claim handling, and the roof-claim philosophy.", "relative_path": "exhibits/exhibit-18.pdf", "sha256": "755df58dbf77994a7427cadc0952774afd49c6693e760b54193125a0c8ed4324" }, { "exhibit": 19, "source_pdf_first_page": 80, "source_pdf_last_page": 86, "pages": 7, "title": "2021 agency leadership training outline", "people_or_context": "Tom Moss and agency/claims leaders", "reading_note": "Virtual inspections, REIAP, Hancock and Seek Now, policy endorsements, and customer communications.", "relative_path": "exhibits/exhibit-19.pdf", "sha256": "ba540e88ab077946a47f3c296d7620948ff1cec24218b17b77c945db9aa2e5e2" }, { "exhibit": 20, "source_pdf_first_page": 87, "source_pdf_last_page": 96, "pages": 10, "title": "Agent complaint chain, repeated with different emphasis", "people_or_context": "Chad Harris; Gwen Hodgson; Nicole Manduca; Kathy Ress", "reading_note": "Substantially repeats Exhibit 1. Do not count it as a second independent customer event.", "relative_path": "exhibits/exhibit-20.pdf", "sha256": "4fbbf047820670ce630fceaf2a385db86a141f45a7244a248bb94aa72d0e9003" }, { "exhibit": 21, "source_pdf_first_page": 97, "source_pdf_last_page": 100, "pages": 4, "title": "Agent Robert Garner complaint and claim correction", "people_or_context": "Robert Garner; Tyler Deneault; Kathy Ress; Nicole Manduca", "reading_note": "Separate Ohio roof claim; internal review concluded the original findings supported replacement. Not the West claim.", "relative_path": "exhibits/exhibit-21.pdf", "sha256": "4adeff662750b2ecf28837c2a89a59a0f0b0c720a394bdf4e56dfdbb9507781b" }, { "exhibit": 22, "source_pdf_first_page": 101, "source_pdf_last_page": 123, "pages": 23, "title": "Growing Together: 2021 market-area partnership", "people_or_context": "Wensley Herbert; Kathy Ress; Ami Kuhlman; Beatrice Lee; Juan Parilo", "reading_note": "Agent distrust, claim communications, training, and joint agency/claims strategy.", "relative_path": "exhibits/exhibit-22.pdf", "sha256": "625767aeb2ed19bae868fc310c77e5cd8688884dfd7b102cd254c5d9726cde6a" }, { "exhibit": 23, "source_pdf_first_page": 124, "source_pdf_last_page": 125, "pages": 2, "title": "April 2021 quarterly business review", "people_or_context": "OVP Herbert; Fire Weather and AWC", "reading_note": "Quality, customer experience, management involvement, and operating expense.", "relative_path": "exhibits/exhibit-23.pdf", "sha256": "d91d99e5589ea35ee3f7bd244d79428751d87421c691d9dddce3457456041768" }, { "exhibit": 24, "source_pdf_first_page": 126, "source_pdf_last_page": 130, "pages": 5, "title": "April 2020 Oklahoma agency conference call", "people_or_context": "Ami Kuhlman; Vince Watson; broad distribution", "reading_note": "Storm-response call announcement. A name in a bulk distribution list does not establish personal responsibility for a disputed claim.", "relative_path": "exhibits/exhibit-24.pdf", "sha256": "c96e67088975705b1ddcfca4b6503a1e59f9f6cf89d9acc8c06847702c76ef63" }, { "exhibit": 25, "source_pdf_first_page": 131, "source_pdf_last_page": 134, "pages": 4, "title": "Haag hail/wind training development", "people_or_context": "Tom Moss; Melissa Grimmett; Brad Rushton; Tanya Potts", "reading_note": "March 2020 drafts distinguish engineering instruction from coverage under an insurance policy.", "relative_path": "exhibits/exhibit-25.pdf", "sha256": "7ef82f879a6e2ff608368e3c044703174af0b2a80f72f5bdfaae1ab9cc1f13a5" }, { "exhibit": 26, "source_pdf_first_page": 135, "source_pdf_last_page": 153, "pages": 19, "title": "OG 75-160: Wind/Hail Roofing Guidelines, April 18, 2018", "people_or_context": "State Farm operating guide", "reading_note": "Inspection, repairability, functional damage, waste, steep/height charges, starter, ridge, prior losses, experts, and related topics. Historical guidance, not proof of current terms.", "relative_path": "exhibits/exhibit-26.pdf", "sha256": "18decfd909d7c6c05e689d93c33e314e27ce689d7f4dc4c122c1825071b162ad" }, { "exhibit": 27, "source_pdf_first_page": 154, "source_pdf_last_page": 160, "pages": 7, "title": "2021 quality plan and Haag training requirements", "people_or_context": "Eileen Colbert; Pete McArdle; Katina Butler; Gwen Hodgson and others", "reading_note": "Yearly refresher requirement and new-handler training logistics.", "relative_path": "exhibits/exhibit-27.pdf", "sha256": "43bf9e69b29ead06a30900caedb20941f94ae125d722fc7777531c5ec164d044" }, { "exhibit": 28, "source_pdf_first_page": 161, "source_pdf_last_page": 163, "pages": 3, "title": "MyBlock training completion tracking", "people_or_context": "Tanya Potts; Marie Dyer; Heather Hanselka; Tom Moss and others", "reading_note": "Internal reports and completion tracking.", "relative_path": "exhibits/exhibit-28.pdf", "sha256": "8235c9ad7fa0db9b9b854db4c51458e4edf1d25ef0fb3567aab6a7a42ae2c5c1" }, { "exhibit": 29, "source_pdf_first_page": 164, "source_pdf_last_page": 166, "pages": 3, "title": "2022 wind/hail training and repair-versus-replace guidance", "people_or_context": "Walter Phillips; Tom Moss; Scott Welsh and training staff", "reading_note": "Includes a scenario supporting slope replacement even below a 50% repair-cost comparison.", "relative_path": "exhibits/exhibit-29.pdf", "sha256": "7c2ba9da1dd87dd0c18a5dd8aa465db4b2975b4ec7bd489846d5f5174c3899df" }, { "exhibit": 30, "source_pdf_first_page": 167, "source_pdf_last_page": 177, "pages": 11, "title": "Fire Model Enhancement presentation", "people_or_context": "Fire/claims leadership", "reading_note": "Rollout dates, selected small-hail/light-wind populations, manager reviews, benchmarks, and financial charts.", "relative_path": "exhibits/exhibit-30.pdf", "sha256": "c8ffdc4571b49aa3ca8af40c94408082815672904b5afd06916e48b4e1df4e1e" }, { "exhibit": 31, "source_pdf_first_page": 178, "source_pdf_last_page": 178, "pages": 1, "title": "HRU Stewardship Redesign project record", "people_or_context": "Tyrone Smith listed as VPO sponsor", "reading_note": "2023 workflow, ownership, and expense/quality project record; not a statement that every roof replacement must be overturned.", "relative_path": "exhibits/exhibit-31.pdf", "sha256": "88fac6a63847624466fc9722d8c9c755fe6c4ef80c131ad002ef9dd2be3e4ab8" }, { "exhibit": 32, "source_pdf_first_page": 179, "source_pdf_last_page": 188, "pages": 10, "title": "August 20, 2026 confidentiality de-designation order", "people_or_context": "Judge Grant Sheperd", "reading_note": "Grants relief in part but leaves the broader protective order in place.", "relative_path": "exhibits/exhibit-32.pdf", "sha256": "6a540dbc44b4ba7b0552aed14624d1264297648711175aeb8804d37ce5be7a37" }, { "exhibit": 33, "source_pdf_first_page": 189, "source_pdf_last_page": 191, "pages": 3, "title": "January 9, 2026 hearing transcript excerpts", "people_or_context": "Judge Don R. Dishman; related Adair/Cox/Pruitt proceedings", "reading_note": "Selected transcript pages, not a complete hearing transcript.", "relative_path": "exhibits/exhibit-33.pdf", "sha256": "7d516dc59bb3c821d6af2b09e80afd029c2018872286b65f55d5245961eaa5fa" }, { "exhibit": 34, "source_pdf_first_page": 192, "source_pdf_last_page": 214, "pages": 23, "title": "January 16, 2024 State Farm opposition to consolidation", "people_or_context": "Nida litigation; State Farm and Sheryl Mandeville", "reading_note": "Historical opposition to broader reassignment/consolidation, attached by the West plaintiffs.", "relative_path": "exhibits/exhibit-34.pdf", "sha256": "8c98f1a3dbc9016e8c04c163f0c709c877d2042366a3c50dd7e4027607cc87a8" }, { "exhibit": 35, "source_pdf_first_page": 215, "source_pdf_last_page": 229, "pages": 15, "title": "January 23, 2026 motion for limited corporate-discovery consolidation", "people_or_context": "Adair; 22 identified Oklahoma County cases", "reading_note": "State Farm explains its efficiency rationale and identifies the proposed consolidation candidates.", "relative_path": "exhibits/exhibit-35.pdf", "sha256": "d640ead57a160d3a5076f5bb6f9be5889e3debb559a5d02cca0509a583358cfa" }, { "exhibit": 36, "source_pdf_first_page": 230, "source_pdf_last_page": 238, "pages": 9, "title": "February 10, 2026 objection to partial consolidation", "people_or_context": "Adair plaintiff and counsel", "reading_note": "Opposition addressing case-specific agents, facts, discovery posture, and governing rules.", "relative_path": "exhibits/exhibit-36.pdf", "sha256": "a4737f6105857836db52e19f00279ff3161e68658b14364afe6ac97817aa0de8" }, { "exhibit": 37, "source_pdf_first_page": 239, "source_pdf_last_page": 247, "pages": 9, "title": "May 21, 2026 court communication on consolidation", "people_or_context": "Judge Dishman through courtroom staff; counsel", "reading_note": "Written discovery consolidation denied; potential deposition limits left for discussion.", "relative_path": "exhibits/exhibit-37.pdf", "sha256": "b78f836aa831c00fa999549f47aa3ac8473ee51351376513bd9fe962aa599c15" }, { "exhibit": 38, "source_pdf_first_page": 248, "source_pdf_last_page": 260, "pages": 13, "title": "July-August 2026 scheduling and consolidation emails", "people_or_context": "Counsel and Judge Dishman courtroom staff", "reading_note": "Communications about a status conference and coordination.", "relative_path": "exhibits/exhibit-38.pdf", "sha256": "25cb7e19cb5bdaca58c18135dbc901aabfdbbf98c2679f24cd003b668902aff3" }, { "exhibit": 39, "source_pdf_first_page": 261, "source_pdf_last_page": 264, "pages": 4, "title": "December 31, 2025 Hursh journal entry", "people_or_context": "Judge Amy Palumbo", "reading_note": "Denies several motions to quash corporate and individual depositions.", "relative_path": "exhibits/exhibit-39.pdf", "sha256": "fba14e32073a3125b5b9968656ff382b559a7dd81c48b045c953f55ffc8cc8e3" }, { "exhibit": 40, "source_pdf_first_page": 265, "source_pdf_last_page": 265, "pages": 1, "title": "July 2026 West deposition order", "people_or_context": "Judge Grant Sheperd", "reading_note": "Handwritten hearing order, filed July 24, concerning Ress, Herbert, Moss, and Welsh.", "relative_path": "exhibits/exhibit-40.pdf", "sha256": "ce5248e9f330701eba0146ce24749835580bf474ed628460ae1cb96a3c2f2605" }, { "exhibit": 41, "source_pdf_first_page": 266, "source_pdf_last_page": 279, "pages": 14, "title": "August 2026 State Farm motion to consolidate executive depositions", "people_or_context": "West; State Farm; four executives", "reading_note": "Includes the insurer's own summary of the June 15, 2023 loss, approximately $50,000 roof dispute, and pleaded causes of action.", "relative_path": "exhibits/exhibit-41.pdf", "sha256": "69a8be02e3215b0784351105574edeca73af0c39b8cf6226e8db5841d2900826" }, { "exhibit": 42, "source_pdf_first_page": 280, "source_pdf_last_page": 280, "pages": 1, "title": "June 23, 2026 Oklahoma Supreme Court order, No. 123812", "people_or_context": "State Farm v. Palumbo; Hursh and other real parties", "reading_note": "Application to assume original jurisdiction denied. Different proceeding from No. 123739 / 2026 OK 51.", "relative_path": "exhibits/exhibit-42.pdf", "sha256": "18041d2cebe24b7c78601bcdc5e0dc0758d0def17f2dac08d072a8a75c51a53e" }, { "exhibit": 43, "source_pdf_first_page": 281, "source_pdf_last_page": 284, "pages": 4, "title": "August 4, 2026 Hursh hearing transcript excerpts", "people_or_context": "Judge Amy Palumbo", "reading_note": "Selected pages addressing depositions, document production, and trial preparation.", "relative_path": "exhibits/exhibit-43.pdf", "sha256": "e7c01285a0ccce0fc22bbe4a208e71809430dd859c67f6ed9084988343a6dd85" }, { "exhibit": 44, "source_pdf_first_page": 285, "source_pdf_last_page": 285, "pages": 1, "title": "August 4, 2026 Hursh court minute", "people_or_context": "Judge Amy Palumbo", "reading_note": "Deposition and production directions; contains permission to use production in West.", "relative_path": "exhibits/exhibit-44.pdf", "sha256": "18834111699d24a2699c356a62a312f4640bb5ebe197c9d892918ba64d8ada7c" } ] }