Zalma’s Insurance Fraud Letter, February 15, 2016

No Honor among Insurance Criminals

Volume 20, No 4

In this, the third issue of the 20th year of publication of Zalma’s Insurance Fraud Letter (ZIFL), Barry Zalma, on January 15, 2016 continues the effort to reduce the effect of insurance fraud around the world. The issue indicates that, regardless of some success, the efforts must be increased.

Insurance fraud investigations must be conducted fairly, thoroughly, and always in good faith. Insurance professionals must understand and act ethically in everything they do in their claims investigations and evaluation of an insurance policy and its coverages.

The current issue of ZIFL reports on:

  • No Honor Among Insurance Criminals
  • Barry Zalma
  • Do Insurers Get Their Money’s Worth From Fighting Fraud?
  • Proformative Academy Webinars
  • Good News From the Coalition Against Insurance Fraud
  • Threatening Your Wife With Arson Unwise
  • Wisdom
  • Insurance Professionals Defrauded UK Lawyers
  • Books from Barry Zalma, The Zalma Insurance Claims Library & the ABA
  • Health Insurance Fraud Convictions
  • Zalma’s Insurance 101
  • Other Insurance Fraud Convictions
  • Zalma’s Insurance Fraud Letter

Visit the Zalma Insurance Claims Library

Insurance Publications by Barry Zalma

Insurance Claims: A Comprehensive Guide


Insurance Law

For Readers of ZIFL a Special 25% Discount

In addition the standard FC&S Online published by The National Underwriter Company now includes a Fraud Channel with the majority of the information taken from my work on insurance fraud. It is available at The Fraud Channel covers issues like: Fraud Basics, Checklists and Charts, Investigation, Ethics, Reference Materials, Fraud Of The Week, and  both the full text and summaries of insurance fraud Cases.

Buyer Bonus:

You automatically receive-AT NO ADDITIONAL COST-a subscription to the author’s e-newsletter: The Monday Claims Report, a weekly e-newsletter featuring coverage and analysis on the top insurance law court decisions from across the country.

New From The American Bar Association

Diminution in Value Damages

How to Determine the Proper Measure of Damage to Real and Personal Property

This book was written to provide sufficient information to those who became interested in the issue since the Georgia Supreme Court decided State Farm Mutual Automobile Insurance Co. v. Mabry, 274 Ga. 498, 556 S.E.2d 114 (Ga. 11/28/2001) and includes cases dealing with the use of diminution in value as a method of determining the amount of loss incurred by a plaintiff seeking indemnity for damage to real or personal property.

Because confusion has reigned across the United States concerning the proper measure of damages for property damage to property that has been repaired, Diminution In Value Damages assists the reader in answering the questions concerning the proper measure of damage in each of the fifty United States and federal United States jurisdictions.

This edition has been totally rewritten and expanded, providing the most extensive and detailed coverage of the issue and a thorough explanation of how to apply diminution in value damages to losses to property.

ISBN: 978-1-63425-295-8, Product Code: 5190524, 2015, 235 pages, 7 x 10, Paperback 00-285-2221.

Available at

The Insurance Fraud Deskbook is a valuable resource for those who are engaged in the effort to reduce expensive and pervasive occurrences of insurance fraud. It explains the elements of the crime and the tort to claims personnel, and it provides information for lawyers who represent insurers, so they can adequately advise their clients. Prosecutors and their investigators can use this book to determine what is required to prove the crime and win their case.

The full text of decisions from courts of appeal and supreme courts across the country are provided so the reader can understand what happens after the investigation is completed and can apply that information to undertake their own thorough investigations. It allows claims personnel and their lawyers to understand what errors would cause a defeat or a not-guilty verdict. The effort to reduce insurance fraud requires the assistance of both civil and criminal courts.

The Insurance Fraud Deskbook can assist the prudent fraud investigator, insurance adjuster, insurance attorney, insurance Special Investigation Unit, and insurance company management to attain the information needed to deal with state investigators and prosecutors.

ISBN: 978-1-62722-676-9  Product Code: 5190506, 2014, 486 pages, 7 x 10, Paperback

Available from the American Bar Association at:; or, or 800-285-2221.


The most recent posts to the daily blog, Zalma on Insurance, are available at including the following:

 Zalma on Insurance

Zalma’s Insurance 101

I have also created a video blog called Zalma’s Insurance 101 which currently has over 462 three to four minute videos starting with “What is Insurance” and moving forward to the Appraisal explaining the basics of insurance and insurance claims handling in a painless fashion that can be viewed every morning with the first cup of coffee at Zalma’s Insurance 101

The videoblog is adapted from my book, Insurance Claims: A Comprehensive Guide available at the Zalma Insurance Claims Library.  Check in every day for a case summary at

Barry Zalma, Esq, CFE

About Barry Zalma

An insurance coverage and claims handling author, consultant and expert witness with more than 48 years of practical and court room experience.
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