Barry Zalma, Inc.

Barry Zalma founded Barry Zalma, Inc. in 1979 to help resolve every insurance claim problem faced by you or your clients. For more than 51 years as a claims person and insurance coverage attorney, Barry Zalma has represented insurers, advised insurers on claims handling, interpreted coverages and testified as an insurance coverage, insurance bad faith, insurance claims handling and insurance fraud expert on behalf of insurers and policy holders’ suing insurers. He now limits his practice to consultation and service as an insurance claims handling expert.

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How to Adjust Liability Insurance Claims “Adjusting Liability Claims” a YouTube video Available at Video link https://youtu.be/eBX6IQl8KEc Adjusting liability insurance claims requires skill, patience, knowledge of insurance, basic knowledge of tort and contract law, and knowledge and experience as an investigator. The liability claims adjuster is faced with the following basic obligations: 1. To understand the law of torts as applied in the state where the adjuster works. 2. To understand the law of contracts…
How to Comply with State Claims Handling Regulations California Fair Claims Settlement Practices Regulations A Guide to Insureds, Public Insurance Adjusters, and Lawyers to Properly Investigate and Adjust Insurance Claims This book was designed to assist insurance personnel who do business in the state of California. It will assist all insurance claims personnel, claims professionals, independent insurance adjusters, special fraud investigators, private investigators who work for the insurance industry, the management in the industry, the…
In search of profit, insurers have decimated their professional claims staff. They laid off experienced personnel and replaced them with young, untrained, unprepared people. A virtual clerk replaced the old professional claims handler. Process and computers replaced hands-on human skill and judgment. Money was saved by paying lower salaries. Within three months of firing the experienced claims people gross profit increased. The promises made by an insurance policy are kept by the professional claims person.…
“All-Risk” is not Synonymous with “All Loss.” The District Court granted summary judgment in favor of the insurance company after a yacht sunk in calm waters at its dock because the yacht’s owners, Mr. and Mrs. Inganamort, did not carry their burden of proving that the loss was a matter of chance, “fortuitous,” in the argot of insurance, which is a requirement for coverage under the all-risk insurance policy the Inganamorts had. In Chartis Property…
Tools for Every Person Interested in Insurance Claims Adjusting Every promise made by an insurance policy can only be kept by claims adjusters and claims investigators working for insurers. Insureds are unable, in almost every situation, to prove a claim to an insurance company without the assistance of an insurance professional. In two volumes Barry Zalma has created a comprehensive guide to insurance claims adjusting of both property claims and liability claims in a compact…
Threat of a Bad Faith Suit Adds Proof of Fraud An insurer asserts claims against its insured for fraud and unjust enrichment. The Tenth Circuit was asked to determine if Colorado law permits an insurer to recover a settlement payment made on behalf of its insured for fraud. The insured fraudulently obtained an insurance policy for its inpatient-drug-treatment center, and when the insured was sued by a former patient, the insurer assumed the insured’s defense,…
Threat of A Bad Faith Suit Adds Proof of Fraud Policy Obtained by Fraud Requires Insured to Reimburse Insurer for Defense and Indemnity View entire video at https://youtu.be/680jE78g0L4 An insurer asserts claims against its insured for fraud and unjust enrichment. The Tenth Circuit was asked to determine if Colorado law permits an insurer to recover a settlement payment made on behalf of its insured for fraud. The insured fraudulently obtained an insurance policy for its…
The Unintended Consequences of Bad Faith – and Insurance Fraud Every promise made by an insurance policy can only be kept by claims adjusters and claims investigators working for insurers. Insureds are unable, in almost every situation, to prove a claim to an insurance company without the assistance of an insurance professional. In two volumes Barry Zalma has created a comprehensive guide to insurance fraud and weapons to defeat fraud and an explanation of the…
A True Crime Story About Insurance Fraud Aa video recitation at https://youtu.be/BsUHQmyBYp0 In the last 52 years I have run across many attempts to commit insurance fraud. Some were caught and many more succeeded. In my book “Heads I Win, Tails You Lose” I have collected more than 80 stories that fictionalized true crime stories from my experience. The book started as a collection of columns I wrote and published in the magazines “Insurance Journal,”…
Pretending to be a Lawyer or Acting Like You are One is Wrongful In April 2017, the Wando River Grill (Restaurant) became dissatisfied with the service of its linen supplier (Cintas) and Cintas’ ability to supply the type of linens Restaurant needed. Restaurant contacted another supplier to secure some or all of its required linens and notified Cintas of its need to suspend at least a portion of Cintas’ services. Cintas claimed Restaurant’s suspension of…