Category Archives: Zalma on Insurance

insurance, insurance coverage, insurance claims, insurance bad faith, claims, investigation, fraud.

True Crime Videos About Insurance Fraud Number 6

The Case of the Art Flambé See the full video at https://rumble.com/vt9q78-true-crime-videos-about-insurance-fraud-number-6.html and at https://youtu.be/en6Lp33YkvM 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. … Continue reading

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Declaratory Relief Action Does not Impinge on State Court Tort Action

Federal Court Retains Jurisdiction on Insurance Coverage Issue After an automobile collision in which James Bryant (“Bryant”) was driving a vehicle owned by RSS, LLC, and Steven Hughes (“Hughes”), and hit Glynn Allan Smith (“Smith”) (collectively “Defendants”) resulted in an … Continue reading

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Public Policy & No Insurance Defeats Negligence Claim

Court’s Duty Is To Declare What The Law Is, And Not What It Ought To Be Leodis Sledge appealed the trial court’s grant of summary judgment to the City of Pine Bluff, Arkansas, et al on his claims of negligence … Continue reading

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A True Crime Story of Insurance Fraud

Uninsured Motorist See the full video at https://rumble.com/vt719s-a-true-crime-story-of-insurance-fraud.html  and at https://youtu.be/fAED2GUGwy8 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 … Continue reading

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Awareness of an Alleged Injury is not Enough to Constitute a Claim

Claim Must Be Made During Policy Period to Obtain Coverage on a Claims Made Policy Heart Rendering Damages Not Enough to Require Insurer to Defend or Indemnify When he was just about two years old, Braylon Jordan swallowed small magnets, … Continue reading

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True Crime Stories of Insurance Fraud

The Largest Residential Burglary of All Time See the full video at https://rumble.com/vsykdo-true-crime-stories-of-insurance-fraud.html and at https://youtu.be/NAtEec_k238 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 … Continue reading

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Insurance is a Contract of Personal Indemnity

Insurer’s Only Obligation is to the Person Insured Who’s on First or Only Person Insured May Collect on a Fire Policy It is axiomatic that first party property insurance is a contract of personal indemnity. It does not follow title … Continue reading

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Jeweler’s Inventory Exists to be Sold

Diminution in Value of Stock of Jeweler is a Direct Physical Loss Before the court was a Motion for Partial Summary Judgment  filed by defendant Great American Insurance Company of New York (“Great American”) seeking dismissal of plaintiff’s claims of … Continue reading

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True Crime Story “How Not to Commit Arson”

A True Crime Video on How Not to Commit Arson See the full video at https://rumble.com/vstwpu-true-crime-story-how-not-to-commit-arson.html?mref=6zof&mrefc=2   and at https://youtu.be/ZMSplau7qG4 Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a … Continue reading

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Treble Damages are Punitive & Excluded by Policy

Punitive Damages Fail Their Purpose if Insurable An insurer sought a declaratory judgment for the purpose of adjudicating whether its insurance policy excluded treble damages pursuant to Oklahoma state statute 47 O.S.2011, § 10-103. The Insurer filed a motion for … Continue reading

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True Crime Stories About How Insurance Fraud Costs Everyone

Fictionalized True Crime Stories of Insurance Fraud from an Expert See the full video at https://rumble.com/vsrp0o-true-crime-stories-about-how-insurance-fraud-costs-everyone.html and at https://youtu.be/36jYKL71QaI Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads … Continue reading

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Injured While Abating Asbestos Clearly Excluded

Conspicuous, Plain and Clear Exclusinon of Injury Arising Out of Asbestos Removal is Effective After a fire on one of its refineries injured two workers, killing one of them, appellant Motiva Enterprises LLC (Motiva) sought insurance coverage from the companies … Continue reading

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Construction Defects & Insurance Volume 4 Second Edition

Liability Insurance & Construction Defects See the full video at https://rumble.com/vsrbjo-construction-defects-and-insurance-volume-4-second-edition.html and https://youtu.be/oXqh5pm1jgw 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 … Continue reading

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Zalma’s Insurance Fraud Letter – January 15, 2022

ZIFL January 15, 2022 Volume 26, Issue 2 See the full video at https://rumble.com/vsl8pc-zalmas-insurance-fraud-letter-january-15-2022.html and at https://youtu.be/n6McP2y2_lI A ClaimSchool™ Publication © 2022, Barry Zalma & ClaimSchool, Inc., Go to my blog & Videos at: Zalma on Insurance, And at https://zalma.com/blog, Go … Continue reading

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Supreme Court of Delaware Applies Policy as Written

Economic Damages not a Risk Insured Against Insurance is not Designed to Cure Public Ills The Supreme Court of Delaware was asked whether insurance policies covering lawsuits “for” or “because of” personal injury require insurers to defend their insureds when … Continue reading

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Guilty Verdict Stands for Failure to Preserve Issue for Appeal

Guilty Verdict of Insurance Fraud Stands for Lack of Appellate Issues The appellate courts of the state of New York are noted for the ability to write a succinct, clear and unambiguous decision on an appeal by a convicted criminal. … Continue reading

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Insurance Fraud Conviction Affirmed

Conviction Deserved When Perpetrator Admits He Was Not Injured In State of Utah v. Julio Ayala, No. 20170928-CA, 2022 UT App 1, Court of Appeals of Utah (January 6, 2022) the prosecution proved that Julio Ayala was involved in multiple … Continue reading

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Forced Placed Insurance only Insured the Risk Faced by the Lender

Homeowner not a Beneficiary of a Forced Placed Policy A homeowner sued the bank that held her mortgage and the bank’s insurance company. The bank had force-placed insurance on her property because she let her prior insurance lapse. She claimed … Continue reading

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Federal Court Retains Jurisdiction of Rescission Case

Material Misrepresentation on Application for Insurance Supports Rescission Karen Macko (“Mrs. Macko”) and William Stephen Mackos (“Mr. Macko”) (together, the “Mackos”) moved the court to dismiss a suit brought by their insurer seeking confirmation of the rescission of an insurance … Continue reading

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How to Defeat Insurance Fraud

A Video Explaining the Efforts Needed to Deter or Defeat Insurance Fraud See the video at https://rumble.com/vs8qes-how-to-defeat-insurance-fraud.html and at https://youtu.be/USCEdOuXs2A Insurance fraud is a crime in most states of the United States. The victims of the crime of insurance fraud … Continue reading

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Second Edition: Construction Defects and Insurance Part Three Now Available

Construction Defects and Insurance Volume Three Second Edition NOW AVAILABLE FROM AMAZON.COM Construction defects have grown into one of the most active areas of litigation in the United States. This, the third volume of the eight volume multi-volume treatise on … Continue reading

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It Doesn’t Pay to Lie to Your Insurer

Post Acquisition Fraud Can Support Rescission in Michigan Meemic Insurance Company appealed a trial court’s order granting summary disposition in favor of all defendants to its suit for declaratory  judgment that it had no duty to defend or indemnify under … Continue reading

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After Insurance Fraud Indictment Dismissed Defendants Sue Police Officer

Arrest Warrant Issued Fairly Defeats Malicious Prosecution Suit EVIDENCE REQUIRED TO SUPPORT MALICIOUS PROSECUTION AGAINST POLICE Vicki Davis and Robin Trawick filed suit against Defendants State Farm Fire and Casualty Company (“State Farm”), Don Allen, and the Georgia Office of … Continue reading

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Excellence in Claims Handling – A Video Series

Part Three of The Excellence in Claims Handling Program: Liability & Property Insurance The third  video in a series of videos about excellence in claims handling is now available only to subscribers and will liability insurance and property insurance and … Continue reading

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Contract Provides Effective Transfer of Risk

Indemnity and Defense Agreement Must be Enforced Defendants, Fox Mill Limited Partnership and the Kane County Land Company (collectively, FMLP), appealed from a declaratory judgment for defense costs in favor of the Wasco Sanitary District (District) in Wasco Sanitary District … Continue reading

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Workers’ Compensation Board Improperly Ignored Evidence of Fraud

New York Workers’ Compensation Board Abused Its Discretion After the Workers’ Compensation Board ruled, among other things, that the application of Everest National Insurance Company was required to pay benefits it appealed seeking review of the decision of the Workers’ … Continue reading

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ClaimSchool, Inc. – Insurance Education

Insurance Education from Barry Zalma Barry Zalma Presents What Your Insurance Organization Needs. Mr. Zalma’s presentations are practical, thought-provoking, entertaining and will fit easily into any budget. Enthusiastically committed to professionalism in insurance and insurance claims Mr. Zalma positively influences … Continue reading

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Excellence in Claims Handling – A Video Series

Part Two of The Excellence in Claims Handling Program: What is Insurance? The second video in a series of videos about excellence in claims handling is now available only to subscribers and will cover an introduction to the series, a … Continue reading

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Zalma’s Insurance Fraud Letter – January 1, 2022

Zalma’s Insurance Fraud Letter Volume 26 Issue 1 See the video at https://rumble.com/vrsvps-zalmas-insurance-fraud-letter-volume-26-issue-1.html and at https://youtu.be/d5hkDyINjoU The first issue of the twenty sixth year of publication is available as an Adobe .pdf document at  with this issue and the December … Continue reading

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Happy New Year’s Eve

May You All Have a Wonderful, Successful and Profitable New Year   © 2021 – Barry Zalma  

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Excellence in Claims Handling

A Series of Video Presentations and Text on Insurance Claims Go to “Excellence in Claims Handling” and subscribe at https://barryzalma.substack.com/welcome and go to https://zalmaoninsurance.locals.com/subscribe subscribe to my locals account. See the introductory video at https://youtu.be/kLSSBG7kZy0 and at https://rumble.com/vrhaka-excellence-in-claims-handling.html Professional Insurance … Continue reading

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Join the “Zalma on Insurance” Community on Locals.com

Subscribe to the Zalma on Insurance Community Go to https://zalmaoninsurance.locals.com/ and subscribe to follow the community. If you wish to read the first article and follow-up postings that will include everything from the treatise, Zalma on Insurance, you must subscribe … Continue reading

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Excellence in Claims Handling Now Available on Substack

Why Subscribe to Excellence in Claims Handling? Subscribe now The first publication is a fictionalized true crime story about insurance fraud called “The Great Jewel Theft” that is the first of more than 80 true crime stories that will be … Continue reading

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Construction Defects and Insurance

Second Edition of Volume I and II now Available at Amazon.com “Construction Defects and Insurance Volume One Second Edition” Construction defects have grown into one of the most active areas of litigation in the United States. This Second Edition of … Continue reading

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Property Insurance Damages

A Video Explaining Common Law Bad Faith See the full video at https://rumble.com/vqwajc-property-insurance-damages.html and at https://youtu.be/SHQRnFF0WDQ In the 1950’s the California Supreme Court, recognizing that some insurers took advantage of their customers by refusing to pay claims that were clearly … Continue reading

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Belts & Braces Exclusions Sufficient to Avoid Covid Claims

 No Direct Physical Loss & Exclusion for Losses Due to Microorganisms Defeats Claim The COVID-19 pandemic forced numerous businesses to close their doors or to reduce operations temporarily. Many suffered severe economic losses as a result and have sought money … Continue reading

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A Video Explaining Some Defenses to Mold Claims

Economic Loss Doctrine, Peculiar Risk, Statutes of Limitation and Repose, Contributory Negligence See the full video at https://rumble.com/vqu68o-a-video-explaining-some-defenses-to-mold-claims.html  and at https://youtu.be/0EGQf6SUjMQ Economic Loss Doctrine “The economic loss doctrine is a judicially created doctrine providing that a commercial purchaser of a … Continue reading

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Anti-Indemnity Statute Affirmed

Even With Insurance Wyoming Public Policy Defeats Choice of Law Provision of Contract Texas and Wyoming are leading oil-producing states. Like other leading energy states, they both regulate the use of indemnity agreements in their oilfields with Anti-Indemnity Acts. Wyoming, … Continue reading

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Zalma’s Insurance Fraud Letter – December 15, 2021

ZIFL – Volume 25, Issue 24 See the full video at https://rumble.com/vqtrru-a-video-of-zalmas-insurance-fraud-letter-12-15-2021.html and at https://youtu.be/MvUluttI7Os A Christmas Fable of Fraud ZIFL publishes this Story at Christmas Time Every Year. I Hope You like it Again. Editorial – Anti-Fraud Resolutions In … Continue reading

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Private Limitation of Action Provision

A Video Explaining the Private Limitation of Action Provision of a First Party Property Policy See the full video at https://rumble.com/vqpgkm-a-video-explaining-the-private-limitation-of-action-provision-of-a-first-pa.html and at https://youtu.be/MkNZqQxVAyk The phrase, “inception of the loss” in the standard fire insurance policy has been interpreted to … Continue reading

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