Zalma on Insurance

The Olde Time Fire - Arson For Profit   True Crime Stories from an Insurance Fraud Expert  Barry Zalma, Esq., CFE presents videos so you can learn how insurance  fraud is perpetrated and what is necessary to deter or defeat insurance  fraud. This Video Blog of True Crime Stories of Insurance Fraud with the  names and places changed to protect the guilty are all based upon...

The Tiffany Kid   https://zalma.com/blog Barry Zalma, Esq., CFE presents videos so you can learn how insurance  fraud is perpetrated and what is necessary to deter or defeat insurance  fraud. This Video Blog of True Crime Stories of Insurance Fraud with the  names and places changed to protect the guilty are all based upon  investigations conducted by me and fictionalized...

The Baseball Card Scam   https://zalma.com/blog Barry Zalma, Esq., CFE presents videos so you can learn how insurance  fraud is perpetrated and what is necessary to deter or defeat insurance  fraud. This Video Blog of True Crime Stories of Insurance Fraud with the  names and places changed to protect the guilty are all based upon  investigations conducted by me and fiction...

The Case of the Art Flambé  https://zalma.com/blog Barry Zalma, Esq., CFE presents podcasts and videos so you can learn how insurance  fraud is perpetrated and what is necessary to deter or defeat insurance  fraud. This Video Blog of True Crime Stories of Insurance Fraud with the  names and places changed to protect the guilty are all based upon  investigations conducted b...

The Burned Up Russian   Videos so you can learn how insurance fraud is perpetrated and what is  necessary to deter or defeat insurance fraud. This Video Blog of True  Crime Stories of Insurance Fraud with the names and places changed to  protect the guilty are all based upon investigations conducted by me and  fictionalized to create a learning environment for claims perso...

Uninsured Motorist  https://zalma.com/blog  Barry Zalma, Esq., CFE presents videos so you can learn how insurance  fraud is perpetrated and what is necessary to deter or defeat insurance  fraud.  This Video Blog of True Crime Stories of Insurance Fraud with the  names and places changed to protect the guilty are all based upon  investigations conducted by me and...

The Largest Residential Burglary of All Time  https://zalma.com/blog  Within seven days of the delivery of his policy, a “burglary” was  reported. A total of $7,000,000.00 of specifically identified and  scheduled personal property was reported stolen. He claimed an  additional $2,000,000 in unscheduled diamonds were stolen from their  hiding place in one of his 50 su...

A True Crime Video on How Not to Commit Arson   Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud  from an Expert who explains why Insurance Fraud is a “Heads I Win,  Tails You Lose” situation for Insurers.   The stories help to Understand How Insurance Fraud in America is Costing  Everyone who Buys Insurance Thousands of Dollars Every year and Why &...

Fictionalized True Crime Stories of Insurance Fraud from an Expert   https://zalma.com/blog Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud  from an Expert who explains why Insurance Fraud is a “Heads I Win,  Tails You Lose” situation for Insurers.   The stories help to Understand How Insurance Fraud in America is Costing  Everyone who Buys Insuran...

Liability Insurance & Construction Defects   https://zalma.com/blog Construction defects have grown into one of the most active areas of  litigation in the United States. This, the second edition of volume four of the eight volume series is  the newest addition to Barry Zalma’s insurance claims books that  thoroughly explain how to identify construction defects, how to insu...

ZIFL January 15, 2022 Volume 26, Issue 2   https://zalma.com/blog A ClaimSchool™ Publication © 2022, Barry Zalma & ClaimSchool, Inc.,  Go to my blog & Videos at: Zalma on Insurance, And at https://zalma.com/blog,  Go to the Insurance Claims Library, Listen to the Podcast: Zalma on  Insurance, Videos from Zalma on Insurance, Subscribe to Barry Zalma on  Substack.com...

Zalma's Insurance Fraud Letter Volume 26 Issue 1   https://zalma.com/blog The first issue of the twenty sixth year of publication is available as an Adobe .pdf document at  with this issue and the December 15, 2021  issues of ZIFL here. The issue includes the following articles but you  must go here  to read the full articles and the full 24 page issue of  Zalma's Ins...

Economic Loss Doctrine, Peculiar Risk, Statutes of Limitation and  Repose, Contributory Negligence  Economic Loss Doctrine   https://zalma.com/blog “ The economic loss doctrine is a judicially created doctrine providing  that a commercial purchaser of a product cannot recover from a  manufacturer, under the tort theories of negligence or strict products  liability, da...

A Video Explaining the Private Limitation of Action Provision of a First  Party Property Policy   HTTPS://ZALMA.COM/BLOG The phrase, “inception of the loss” in the standard fire insurance  policy has been interpreted to mean the occurrence of the casualty or  event insured against must, if a claim is denied, a suit must be filed  within one or two years of the date of the...

Katrina Cases  https://zalma.com/blog The United States District Court for the Southern District of  Mississippi, Southern Division, entered an important decision with  regard to water damage and insurance policy coverages raised after  Hurricane Katrina.   In Leonard v. Nationwide Mutual Insurance Co., 499 F.3d 419 (5th Cir.  08/30/2007), the first of the Katrina cas...

The Structure, The Construction Contract, and Construction Defect  Insurance   HTTPS://zalma.com/blog Construction defects have grown into one of the most active areas of  litigation in the United States. This Second Edition of a multi-volume treatise is the newest addition to  Barry Zalma’s insurance claims books that thoroughly explain how to  identify construction defec...

Misrepresentation or Concealment of a Material Fact   https://zalma.com/blog To constitute fraud, an insured must have concealed or misrepresented a  material fact with the intention of inducing an insurer to pay a claim  it would not, otherwise owe had it known the true facts. The facts that  are deemed to be “material” for purposes of denying a claim or voiding a  policy...

A Video Explaining How Insurers Avoid Mold Litigation  https://zalma.com/blog  Insurance companies in most states have been permitted to exclude mold  coverage from new and existing policies. There are hundreds (perhaps  thousands) of pending cases against homeowner insurance carriers seeking  coverage for losses incurred as a result of mold contamination. In many  of...

Types of Warranties in Insurance Policies   HTTPS://ZALMA.COM/BLOG Express Warranty  Express warranties relate to the present or past existence of particular  facts relating to the risk upon the truth of which, the validity of the  contract depends. [California Insurance Code § 440.]   A statement of fact becomes an express warranty when the insurer and the  insured c...

ZIFL - Volume 25, Number 23   The full .pdf version is available here.    Admitted Crop Insurance Fraud Perpetrator Tries to ZIFL-12-01-2021 Limit  Restitution Crooked Farmer Goes to Jail and Must Pay $2.5 Million in Restitution  Defendant Ronnie Jolly pleaded guilty to crop insurance fraud, money  laundering, and conspiring to defraud the United States and to commit...

The Notice Prejudice Rule & Voluntary Payments   The Colorado Supreme Court refused to apply the notice-prejudice rule to  a policy provision prohibiting the insured from making voluntary  payments on, or settling, a claim without the insurer’s consent. The  court reasoned that “the no-voluntary-payments clause of the contract at  issue here actually goes to the scope...

Explaining Direct & Circumstantial Evidence and The Proof Required  To properly prepare a case for trial an adjuster or SIU investigator  must understand evidence and that evidence is broken into two major  categories: direct and circumstantial.  Direct Evidence  Direct evidence is proof that tends to show existence of a fact in  question without the intervention...

Explaining How to Acquire a Policy of Insurance   The person buying insurance may only acquire insurance from an insurer  by one of three methods:   By Meeting With An Agent of The Insurer   The agent is a person appointed by the insurer to transact insurance  business with and on behalf of the insurer. The agent usually has the  right to bind insurance in the name of...

I am Thankful My family and I have much to be thankful for this year, not the least of  which are the care provided by our cardiologist who cares for me and my  wife, Thea. I am personally in good health, walking four to five miles a  day, and in retirement working only six to eight hours a day doing what  I love the most, writing about insurance, insurance claims, insurance &n...

Lie to an Insurer and Lose Everything  https://zalma.com/blog False swearing is a special category of misrepresentation or concealment  because it is made under oath.  In criminal law, false swearing is  called perjury.  If there was any false swearing as to the property that was the subject  of the insurance, it vitiated that policy; if there was false swearing &nbsp...