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Latest from Zalma on Insurance

Merry Christmas & Happy Chanukah A Christmas Fable of Fraud ZIFL Publishes this Story at Christmas Time Every Year. I Hope You like it Again  The story that follows is fiction based, in part, on a true case worked on by me. Any similarity to real people is unintentional. It is meant only to educate fraud professionals about how some unscrupulous people use the crime of insurance fraud for fun and profit during the Christmas…
Merry Christmas & Happy Chanukah A Christmas Fable of Fraud ZIFL Publishes this Story at Christmas Time Every Year. I Hope You like it Again  The story that follows is fiction based, in part, on a true case worked on by me. Any similarity to real people is unintentional. It is meant only to educate fraud professionals about how some unscrupulous people use the crime of insurance fraud for fun and profit during the Christmas…
Ethics for the Insurance Professional, Rescission of Insurance & The Insurance Examination Under Oath 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. “Ethics for the Insurance Professional” Methods for Insurers and their Personnel to Act with…
Plaintiff had no Jurisdiction over Insurer of Defendant When an insurer promises to defend its insured nation-wide or world-wide it is not taking on a relationship with a state where an insured might have an accident providing the state where the accident occurred with jurisdiction over the insurer. Disputes about insurance coverage should apply only where the contract of insurance was made. In Kevin L. Baird v. Otgonbaatar Shagdarsuren & DBN Carrier, Inc., Defendants,Allied Premier…
Insurance Fraud & the Compact Books of Adjusting Property and Liability Claims 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. “Insurance Fraud – Volume I & Volume II In Two Volumes Insurance fraud continually takes more…
Insurance Coverage Cannot be Created by Waiver or Estoppel When the plaintiffs and defendant in an auto accident case agreed to a $400,000 judgment that was collectible only from the defendant’s insurance policy the plaintiff found the insurance company refused to pay the agreed judgment because it had no coverage. In Barry S. Burdette, et al. v. Lachell B. Bell, et al., 2019 Ohio 5035, Case No. CA2019-04-005, Court of Appeals Twelfth Appellate District of…
A Remedy to Keep Insurance Honest Rescission is an equitable remedy as ancient as the common law of Britain. When the United States was conceived in 1776 the founders were concerned with protecting their rights under British common law. They adopted it as the law of the new United States of America. British common law was only modified by the limitations placed on the central government by the U.S. Constitution when it was approved in…
Mold, Construction Defects and Bad Faith 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.Construction Defects and Insurance” Barry Zalma has updated and re-edited his seminal work Construction Defects Coverage Guide into is the latest addition to…
Egregious Delay Reporting of Loss Defeats Claim for Defense or Indemnity Every third party liability insurance policy requires the insured to report a claim or suit promptly or as soon as reasonably practical. Those insureds who delay, fail, or refuse to report a loss to their insurer takes a serious chance that their late claim will be refused. In Rockhill Insurance Company v. Carri Scharf Materials Company, an Illinois corporation, Case No. 18-cv-1380-JES-JEH, United States…
Zalma on Insurance Claims and The Homeowners Insurance Policy 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. “THE HOMEOWNERS INSURANCE POLICY” HOW TO BUY AN APPROPRIATE HOMEOWNERS POLICY AND SUCCESSFULLY MAKE A CLAIM TO THE INSURER