Barry Zalma, Inc.

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Third Circuit Insists on Applying Clear and Unambiguous Language of Insurance Policy Life insurance policies are different from other insurance policies because they put a two year limit on certain exclusions. In Nicholas Lomma; J. L., a Minor, by Anthony Lomma, Guardian v. Ohio National Life Assurance Corporation; Ohio National Life Insurance Company, No. 18-2675, United States Court of Appeals for the Third Circuit (October 8, 2019) the policy in question excluded death by suicide…
Insurance is the Only Crime Where the Victim Is Required to Pay for Investigation & Prosecution of the Criminal or No Investigation Will Be Done  Zalma’s Insurance Fraud Letter, Volume 23, No. 20 Some of the articles you can read in this issue of ZIFL follow: Most states require insurers doing business in the state to pay a special tax to fund special police agencies called insurance fraud bureaus or insurance fraud divisions. Insurers…
Books from the American Bar Association 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 possible for insurers and their claims staff to become insurance claims professionals. “The Commercial Property Insurance Policy Deskbook” How to Acquire a Commercial Property Policy and Present and Collect a First-Party Property Insurance…
No Cover When Wear & Tear is Cause of Loss Dominic Messina insured his home with Shelter Mutual Insurance Company. The brick veneer on an exterior wall of Messina’s home collapsed, and he filed a property damage claim with Shelter. After Shelter denied the claim, Messina sued the insurer for breach of contract in the Circuit Court of Jackson County. The circuit court granted Shelter’s motion for summary judgment, and Messina appealed. Messina has conceded…
New Books from Full Court Press Full Court Press continues to publish expert secondary content. This time it’s a new collection of insurance law treatises from consultant, expert witness, arbitrator, and mediator Barry Zalma. Barry Zalma practiced law in California for more than 44 years as an insurance coverage and claims-handling lawyer, and has spent more than 51 years in the insurance business. Full Court Press welcomes his deskbooks as the first published under our…
Water Damage Specifically and Clearly Excluded After five thousand gallons of water running continuously at a rate of nine to ten gallons per hour for a 25-day period seriously caused damage to a residence including mold growth and infestation. The insured sought reversal of Allstate’s denial of coverage based on a clear exclusion as continuous or repeated seepage or leakage over a period of weeks, months, or years, of water. In Kimberly Landrum f/k/a Kimberly…
Everything Needed by the Insurance Claims Professional 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 possible for insurers and their claims staff to become insurance claims professionals. “HEADS I WIN, TAILS YOU LOSE” A collection of columns originally published in the magazines “Insurance Journal,” “Insurance Week,” and…
Subrogation is an Important Right Policy Gives to the Insurer Almost every insurance policy directly provides an insurer with the equitable remedy of subrogation that allows, in the event of a claims payment, the insurer to recover what it paid from any tortfeasor responsible for the injuries to person or property. In James Ryan Dimaria v. Travelers Insurance Group, DOCKET NO. A-0728-18T4, Superior Court of New Jersey Appellate Division (October 4, 2019) the New Jersey…