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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  Zalma’s Insurance Fraud Letter, Volume 23, No. 23  Some of the articles you can read in this issue of ZIFL follow:  Guilty of Insurance Fraud for Submitting Altered Medical Report   Small Fraud is as Much a Crime as a Large Fraud Insurance fraud convictions are rare. When a person is arrested, tried, convicted and sentenced for the crime of insurance fraud the perpetrator is – rightfully – surprised and immediately appeals the…
Needed by the Insurance Claims Professional Fictionalized True Insurance Crime Books Read about these books at https://zalma.com/blog. Over the last 51 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it for insurers and their claims staff to become insurance claims professionals. “HEADS I WIN, TAILS YOU LOSE” A collection of columns originally…
What May be old is Still New Although I tend to only write about new insurance decisions, I thought it would be interesting to see if a decision by the first Chief Justice of the United States Supreme Court had to say about a request for reformation of an insurance policy. As you read you will see that his reasoning and conclusion is the same that would end up in a federal court if the…
How to Show Your Appreciation to Your Insurer Clients or Claims Employees? Many insurers refuse to allow their employees to receive gifts. Many employers of claims people give a small bonus, a Turkey, or something that will be gone before the new year. If you wish to thank your insurance company clients for allowing you to represent their interest or if you wish to honor your claims personnel it is time to give them something…
Court Enforces Insurance Warranty to Avoid Acting as a Privateer Although I usually report on new cases, this time I return to an early decision that goes back to before the U.S. Constitution that explains how important the covenant of good faith and fair dealing has been to American Jurisprudence from the beginning our the United States. The covenant is implied in every insurance contract and has done so for centuries. The Court of Common…
What I am Thankful For: My family and I have much to be thankful for this year, not the least of which are my cardiologist and cardio surgeon who saved my life last year performed a major open heart by pass surgery and their continuing care that has allowed me to work eight hours a day doing what I love the most, writing about insurance and legal matters. To me, I am thankful for you,…
Snow and Rain Entering Church Because Roof was Removed to be Replaced not Damage Caused by a Peril Insured Against No insurance policy covers every risk of loss faced by the property of the person insured. To recover under a first party property policy for damage caused by entry of snow and rain through the roof of a building it is necessary to prove that the water entered because there was damage to the roof…
An Insurance Expert’s Response to a Professor’s and a Policyholders Lawyer’s Take on the Obligation to Read an Insurance Policy © 2019, Barry Zalma In its blog the Merlin Law Group cites a small portion of a lengthy Hastings Law Journal article written by Professor Chuck Knapp.[1] Dr. Knapp did not like the use, by appellate courts, of the concept that there is a duty to read (DTR) an insurance policy. The blog post…