Shows
Zalma on InsuranceZalma's Insurance Fraud Letter - May 15, 2024ZIFL-05-15-2024Subscribe to ZIFL Here Post 4801
Read the full 23 page issue here in Adobe pdf format.
See the full video at https://rumble.com/v4v566z-zalmas-insurance-fraud-letter-may-15-2024.html and at https://youtu.be/r7TbELn-Si0
Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the fo...
2024-05-2010 minZalma on InsuranceZalma's Insurance Fraud Letter - February 15, 2024ZIFL Volume 28, Issue 4
The Source for the Insurance Fraud Professional
Subscribe here:
Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of
publication dedicated to those involved in reducing the effect of
insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is
written by Barry Zalma. It is provided FREE to anyone who visits the
site at http://zalma.com/zalmas-insurance-fraud-letter-2/
The current issue can be read in full at
http://zalma.com/blog/wp-content/uploads/2024/02/ZIFL-02-15-2024.pdf and
includes the following articles:
Do the Crime, Serve the Time
Chutzpah: After Pleading Guilty Fraudster Tri...
2024-02-1511 minZalma on InsuranceZalma's Insurance Fraud Letter February 1, 2024ZIFL Volume 28 Issue 3
Post 4726Subscribe AT
https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D
Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of
publication dedicated to those involved in reducing the effect of
insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is
written by Barry Zalma. It is provided FREE to anyone who visits the
site at http://zalma.com/zalmas-insurance-fraud-letter-2/
The current issue can be read in...
2024-02-0908 minZalma on InsuranceZalma's Insurance Fraud Letter February 1, 2024ZIFL Volume 28 Issue 3
Post 4726Subscribe AT
https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D
Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of
publication dedicated to those involved in reducing the effect of
insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is
written by Barry Zalma. It is provided FREE to anyone who visits the
site at http://zalma.com/zalmas-insurance-fraud-letter-2/
The current issue can be read in...
2024-02-0108 minZalma on InsuranceZalma's Insurance Fraud Letter - January 15, 2024ZIFL Volume 28, Issue 2
Read the full January 15, 2024 issue of ZIFL at
http://zalma.com/blog/wp-content/uploads/2024/01/ZIFL-01-15-2024.pdf
Subscribe here:
https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D
Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of
publication dedicated to those involved in reducing the effect of
insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is
written by Barry Zalma. It is provided FREE to...
2024-01-1808 minZalma on InsuranceZalma’s Insurance Fraud Letter – January 2, 2024Zalma’s Insurance Fraud Letter (ZIFL) continues its 25th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/
FREE subscriptions are provided to clients and friends of Barry Zalma, Inc., clients of ClaimSchool, Inc.
Please feel free to forward ZIFL to anyone you know engaged in the efforts to reduce fraud. If you want to be on the free mailing list as...
2024-01-0211 minZalma on InsuranceZalma's Insurance Fraud Letter - December 15, 2023Zalma's Insurance Fraud Letter - December 15, 2023
Merry Christmas, Happy Hanukah, and May the Winter Solstice be Peaceful & Mild
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2023-12-1810 minZalma on InsuranceZalma's Insurance Fraud Letter - December 1, 2023ZIFL - Volume 27 Issue 23
The Resource for the Insurance Claims and Insurance Fraud Professionals
This, the 22nd issue of the 27th Year of ZIFL includes articles and
reports relating to insurance fraud, including:
Some Red Flags of Insurance Fraud
Over the last two centuries insurers, insurance investigators, Special
Investigative Unit Investigators, insurance lawyers, and insurance
management have developed lists of indicators of potential insurance
fraud. The indicators are known as the Red Flags of Fraud and are used
to determine if it is necessary to begin a thorough investigation of an
insurance claim to determine if a fraud is...
2023-12-0512 minZalma on InsuranceZalma's Insurance Fraud Letter - October 15, 2023ZIFL Volume 27, Issue 20
This, the twentieth issue of the 27th year of publication Zalma’s
Insurance Fraud Letter provides multiple articles on how to deal with
insurance fraud in the United States.
Man Bites Dog: GEICO Bites Fraudsters
Don’t Ty to Defraud GEICO It Bites Back
GEICO (collectively, “GEICO” or “Plaintiffs”) sued Defendants ALP
Supply, Inc. (“ALP”), PV Supply, Inc. (“PV”), and Pal Vakula, alleging
common law fraud and unjust enrichment claims.
Read the full issue of ZIFL at
https://zalma.com/blog/wp-content/uploads/2023/10/ZIFL-10-15-2023.pdf
McClenny Moseley & Associates Issues
This is ZIFL’s sixteenth installment of the sag...
2023-10-1611 minZalma on InsuranceZalma’s Insurance Fraud Letter – October 1, 2023ZIFL – Volume 27, Issue 19, October 1, 2023
This, the nineteenth issue of the 27th year of
publication Zalma’s Insurance Fraud Letter provides multiple articles on how to deal with insurance fraud in the United States.
Zalma’s Insurance Fraud Letter – October 1, 2023Volume 27, Issue 19, October 1, 2023Barry ZalmaOct 2, 2023
Share
Leave a comment
Read the full article at https://lnkd.in/gSwZcFtw, see the full video at https://lnkd.in/geXk8tvN and at https://lnkd.in/gyWx2-zm, Read the full article and the full 22 pages of ZIFL at https://lnkd.in...
2023-10-0409 minZalma on InsuranceZalma’s Insurance Fraud Letter - September 15, 2023ZIFL Volume 27, Number 18
https://zalma.com/blog
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2023-09-1810 minZalma on InsuranceZalma's Insurance Fraud Letter - September 1, 2023ZIFL - 9/1/2023 - Volume 27, Issue 17
This, the seventeenth issue of the 27th year of publication Zalma’s
Insurance Fraud Letter provides multiple articles on how to deal with
insurance fraud in the United States. The issue begins with:
Subscribe to Zalma's Insurance Fraud Letter
The Source for Insurance Fraud Professional
Allstate’s Qui Tam Actions Work to Take the Profit Out of Fraud
Man Bites Dog Story – Allstate May Sue on Behalf of State for Insurance
Fraud
Allstate Insurance Company and several of its affiliates (collectively,
Allstate) brought qui tam actions on behalf of the State of California
alleging insura...
2023-09-0410 minZalma on InsuranceZalma's Insurance Fraud Letter - August 15, 2023Issue 27 Number 16: ZIFL-08-15-2023
See the full video at and at https://youtu.be/x0EJFKVdjwQ
Lawyer Paying for Clients Guilty
Experienced Lawyer Claiming Ignorance of Law Is No Defense
Robert Irving Slater was a practicing worker’s compensation attorney
when he entered into an agreement that cost him his freedom.
Read the full article and the full ZIFL at
http://zalma.com/blog/wp-content/uploads/2023/08/ZIFL-08-15-2023-1.pdf
More McClenny Moseley & Associates Issues
This is ZIFL’s Twelfth installment of the saga of McClenny, Moseley
& Associates and its problems with the federal courts in th...
2023-08-1509 minZalma on InsuranceZalma's Insurance Fraud Letter - August 1, 2023ZIFL - 08/01/2023
https://zalma.com/blog
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2023-08-0311 minZalma on InsuranceZalma's Insurance Fraud Letter - June 15, 2023
ZIFL - 6-15-2023 - Volume 27, Issue 12
The Source For Insurance Fraud Professionals
This, the Twelfth issue of the 27th year of publication Zalma’s
Insurance Fraud Letter provides multiple articles on how to deal with
insurance fraud in the United States. The issue begins with:
Restitution Order Can’t Be Discharged in Bankruptcy
After Frayba Tipton and William Tipton pled guilty to committing
insurance fraud, they were ordered to pay victim restitution to
Nationwide Insurance Company of America (Nationwide). The trial court
granted Nationwide’s petition and entered civil judgments against the
defendants.
In Nationwide Insurance Company Of Americ...
2023-06-1608 minZalma on InsuranceZalma's Insurance Fraud Letter June 1, 2023The publication for insurance fraud professionals.
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2023-06-0508 minZalma on InsuranceZalma's Insurance Fraud Letter - May 1, 2023ZIFL 05-01-2023, Volume 27 Issue 9
Restitution Required
John James Succi appealed pro se from the order dismissing his “Motion
to Vacate Restitution/Sentencing.” In Commonwealth Of Pennsylvania v.
John James Succi, No. 229 EDA 2022, No. J-S22022-22, Superior Court of
Pennsylvania (February 28, 2023) the Superior Court gave consideration
to the pro se motions of the convicted felon and ordered him to make
restitution. Victims of crime must make certain that the state
prosecutor, after convicting the criminal, like Succi, must demand
restitution. The victims did so in this case and the prosecutor
effectively obtained, at sentencing, an order of restitution. Succi,
sent...
2023-05-0111 minZalma on InsuranceZalma's Insurance Fraud Letter - April 15, 2023ZIFL - Volume 27, Issue 8 - The Source For Insurance Fraud Professionals
Obesity, Diabetes and Covid Not Basis For Compassionate Release
The US Congress, feeling sorry for federal prisoners, amended the law to
create The First Step Act to allow a District Court to shorten a
sentence when there exist extraordinary and compelling reasons to
release the Prisoner.
Read the full issue of ZIFL-04-15-2023 at http://zalma.com/blog/wp-content/uploads/2023/04/ZIFL-04-15-2023-1.pdf
The Special Investigative Unit Investigator
The experienced claims investigator is usually a part of, or vendor to, a
Special Investigative Unit (SIU) s...
2023-04-1415 minZalma on InsuranceZalma's Insurance Fraud Letter - April 1, 202ZIFL Volume 27, Issue 7
The Source For Insurance Fraud professionals
https://zalma.com/blog
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2023-04-0712 minZalma on InsuranceZalma's Insurance Fraud Letter - March 1, 2023ZIFL Volume 27, Issue Number 5
Read the full text of ZIFL at http://zalma.com/blog/wp-content/uplo....
McClenny Moseley & Associates & Insurance Fraud The McClenny Moseley & Associates (MMA) series of lawsuits, court hearings and insurance department actions have brought about some very serious problems for MMA, including court orders, lawsuit dismissals, administrative cease and desist orders and litigation, all of which have created a poster child for Zalma’s Insurance Fraud Letter. Since MMA has admitted that it reported a claim to various insurers, including Allied Insurance, that it was presenting claims against Allied and at least...
2023-03-0715 minZalma on InsuranceZalma's Insurance Fraud Letter - January 15, 2023ZIFL - Volume 27, Issue 2 - The Source For Insurance Fraud Professionals
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2023-01-1912 minZalma on InsuranceZalma's Insurance Fraud Letter - January 1, 2023ZIFL January 1, 2023 - Volume 27, Issue 1
The Source for the Insurance Fraud Professional
Starting the 27th year of publication of Zalma's Insurance Fraud Letter, ClaimSchool, Inc., Barry Zalma and the Zalma family wish you a happy and prosperous new year. Read the full pdf version of ZIFL at http://zalma.com/blog/wp-content/uploads/2022/12/ZIFL-01-01-2023.pdf New Florida Statutes The state of Florida proposed new statute to make insurance and insurance claims more fair is over 105 pages available at https://www.flsenate.gov/Session/Bill/2022A/2A/BillText/er/PDF. Lawmakers in Florida passed legislatio...
2023-01-0213 minZalma on InsuranceZalma's Insurance Fraud Letter - December 15, 2022ZIFL Volume 26 Number 24
Merry Christmas, Happy Hanukah & May The Winter Solstice be Peaceful & Mild
Read the full Newsletter http://zalma.com/blog/wp-content/uploads/2022/12/ZIFL-12-15-2022-1.pdf.
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...
2022-12-1515 minZalma on InsuranceZalma's Insurance Fraud Letter - December 1, 2022ZIFL Volume 26, Issue 23
The December 1, 2022 issue contains articles and reports of insurance fraud convictions for every insurance claims professional, SIU investigators and everyone interested in the efforts to defeat or deter insurance fraud. The December 1, 2022 issue includes:
It Doesn't Pay to Try to Cheat Your Insurance Company
Sigismondi Foreign Car Specialists, Inc. appealed the U. S. District Court's summary judgment in favor of State Auto Property and Casualty Insurance Company on State Auto's declaratory judgment action and statutory insurance fraud claim. In State Auto Property And Casualty Insurance Company v. Sigismondi Foreign Car Specialists...
2022-12-0115 minZalma on InsuranceZalma's Insurance Fraud Letter - November 1, 2022ZIFL - Volume 26 Issue 21
In this the 21st issue of the 26th year of publication of Zalma's Insurance Fraud Letter you will find articles that discuss the following insurance fraud issues:
When an Insured Lies to his Insurer the Claim May Be Denied In Cesar Benitez v. Universal Property And Casualty Insurance Company, No. 4D21-3281, Florida Court of Appeals, Fourth District (October 12, 2022) Cesar Benitez appealed the trial court’s entry of final summary judgment in favor of Universal Property and Casualty Insurance Company (“Insurer”) in a first-party property insurance dispute over a water damage claim. In his a...
2022-11-0111 minZalma on InsuranceZalma's Insurance Fraud Letter - 10-15-2022ZIFL - 10/15/2022 available at http://zalma.com/blog/wp-content/uploads/2022/10/ZIFL-10-15-2022-1.pdf
Short teases about the articles in this issue can be read at ZIFL-10-15-2022 Ethics & Insurance Fraud Insurance fraud is a crime in most jurisdictions. In California it is a felony subject to five years in prison upon conviction. By definition a person who commits the crime of insurance fraud is not acting ethically. In State v. Whitaker, 175 P.3d 136, 117 Hawai'i 26 (Haw. App. 12/31/2007)
Whitaker, after presenting a claim to his insurer, was indicted, convicted, and sentenced for Insurance Fraud in violation...
2022-10-1410 minZalma on InsuranceZalma's Insurance Fraud Letter - October 1, 2022ZIFL - Volume 26 Issue 19
Read the full issue at http://zalma.com/blog/wp-content/uploads/2022/09/ZIFL-10-01-2022-1.pdf Insurer Proactive Against Fraud CIGNA Obtains $14,371,384.95 Judgment Against Fraudulent Health Care Provider Since police, prosecutors and state insurance fraud investigators are seldom willing to arrest or prosecute insurance fraud perpetrators it is necessary for insurers to be proactive and sue those who attempt or succeed in defrauding insurers. In Connecticut General Life Insurance Company and CIGNA Health And Life Insurance Company v. Mike Ogbebor and Stafford Renal LLC, No. 3:21-cv-00954 (JAM), United States District Court, D. C...
2022-09-3011 minZalma on InsuranceZalma's Insurance Fraud Letter - Volume 26, Issue 17 - September 1, 2022A site for the insurance claims professional and anyone who wants to know something about insurance, insurance claims, insurance fraud, insurance coverage, and insurance law.
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2022-09-0513 minZalma on InsuranceZalma's Insurance Fraud Letter - July 15, 2022ZIFL – Volume 26, Number 14
THE COURTS ARE BACK CONVICTING FRAUD PERPETRATORS WITH VIGOR – READ ABOUT THE CONVICTIONS IN THIS ISSUE OF ZIFL!
The July 15, 2022 issue contains articles available FREE at Subscribe to e-mail Version of ZIFL, it’s Free!
Greg Lindberg Gets a New Trial Jury Instruction Misled Jury by stating that an “Official Act” Existed as a Matter of Law Greg E. Lindberg and John D. Gray were convicted of honest services fraud and federal funds bribery in connection with a series of payments and offers of payment, in the form of campaign con...
2022-07-1910 minZalma on InsuranceZalma's Insurance Fraud Letter - July 15, 2022ZIFL – Volume 26, Number 14
THE COURTS ARE BACK CONVICTING FRAUD PERPETRATORS WITH VIGOR – READ ABOUT THE CONVICTIONS IN THIS ISSUE OF ZIFL!
The July 15, 2022 issue contains articles available FREE at Subscribe to e-mail Version of ZIFL, it’s Free! and Read last two issues of ZIFL here. Greg Lindberg Gets a New Trial Jury Instruction Misled Jury by stating that an “Official Act” Existed as a Matter of Law Greg E. Lindberg and John D. Gray were convicted of honest services fraud and federal funds bribery in connection with a series of payments and offers of payment, in the form o...
2022-07-1510 min
Zalma on InsuranceZalma's Insurance Fraud Letter - July 1, 2022ZIFL Volume 26 Number 13 ZIFL-07-01-2022.
The July 1, 2022 issue of Zalma's Insurance Fraud Letter you will be able to read the full text of articles including: Bases for Rescission Rescission Is an Equitable Remedy First Created in The Ecclesiastical Courts of Elizabethan England. When the United States was conceived in 1776 the founders were concerned with protecting their rights under British common law.
Common Law is a form of law developed by judges through tribunals and decisions of courts rather than executive branch action and legislative statutes. Following the common law tradition, legal principles were referred to ...
2022-07-0108 minZalma on InsuranceZalma's Insurance Fraud Letter - June 1, 2022Zalma’s Insurance Fraud Letter
A ClaimSchool™ Publication © 2022, Barry Zalma & ClaimSchool, Inc., Go to my blog & Videos at: Zalma on Insurance, and at https://zalma.com/blog
The full issue in Adobe .pdf format is available here. The following are summaries of some of the articles that can be found in the current issue. Allianz Subsidiary Pleads Guilty to Defrauding Investors Prosecutors Also Brought Charges Against Three Former Allianz Employees, With Two Agreeing to Plead Guilty One of Allianz SE’s ALIZF investing divisions pleaded guilty to securities fraud and agreed to pay about $6 billion in penalties and r...
2022-06-0212 minZalma on InsuranceDisaster ScumTrue Crime of Insurance Fraud Number 37
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 True Crime Stories of Insurance Fraud with the names and places changed to protect the guilty are all based upon investigations conducted by me and fictionalized to create a learning environment for claims personnel, SIU investigators, insurers, police, and lawyers better understand insurance fraud and weapons that can be used to deter or defeat a fraudulent insurance claim.
Disasters bring out the b...
2022-03-1609 minZalma on InsuranceZalma's Insurance Fraud Letter - February 15, 2022Volume 26, Issue 4 – February 15, 2022
Go to Barry Zalma videos at Rumble.com at https://rumble.com/zalma A ClaimSchool™ Publication © 2022 Barry Zalma & ClaimSchool, Inc. Go to my blog & Videos at: Zalma on Insurance And at https://zalma.com/blog
Go to the Insurance Claims Library Listen to the Podcast: Zalma on Insurance Videos from Zalma on Insurance Subscribe to Barry Zalma on Substack.com
Go Directly to Jail, Do Not Pass Go Chutzpah: Convicted of Insurance Fraud Appeals to Avoid Going to Jail Tarek Abou-Khatwa appealed his conviction of a complex, multi-yea...
2022-02-1511 minZalma on InsuranceZalma's Insurance Fraud Letter - January 1, 2022Zalma's Insurance Fraud Letter Volume 26 Issue 1
https://zalma.com/blog
The first issue of the twenty sixth year of publication is available as an Adobe .pdf document at with this issue and the December 15, 2021 issues of ZIFL here. The issue includes the following articles but you must go here to read the full articles and the full 24 page issue of Zalma's Insurance fraud Letter.
State Farm & Allstate Fight Fraudsters With Qui Tam Suits
It Is Essential That Insurers Are Proactive Against Insurance Fraud Insurance companies are the victims of billions of dollars e...
2022-01-0318 minZalma on InsuranceZalma's Insurance Fraud Letter - December 1, 2021ZIFL - Volume 25, Number 23
The full .pdf version is available here.
Admitted Crop Insurance Fraud Perpetrator Tries to ZIFL-12-01-2021
Limit Restitution Crooked Farmer Goes to Jail and Must Pay $2.5 Million in Restitution Defendant Ronnie Jolly pleaded guilty to crop insurance fraud, money laundering, and conspiring to defraud the United States and to commit mail or wire fraud. The Government sought restitution of monies paid by the crop insurance program and Jolly moved to avoid or limit the orders of restitution.
In United States of America v. Ronnie Jolly, CRIMINAL No. 5:18-32...
2021-12-0118 minZalma on InsuranceZalma's Insurance Fraud Letter - November 1, 2021Description of Zalma’s Insurance Fraud Letter
https://zalma.com/blog
Volume 25 Number 21 The Reason for the Examination Under Oath Courts that construe submission to an EUO as a condition precedent to recovery generally do not require the insurer to prove that it suffered actual prejudice from an insured's unexcused refusal to submit to an examination. Lorenzo–Martinez v. Safety Ins. Co., 58 Mass. App. Ct. 359, 790 N.E.2d 692, 695–96 (2003).
The EUO provides a mechanism for the insurer to corroborate the claim by obtaining information that is primarily or exclusively within the possession of the insured. The ad...
2021-11-0112 minZalma on InsuranceZalma’s Insurance Fraud Letter – October 15, 2021Zalma’s Insurance Fraud Letter Volume 25, Number 20
https://zalma.com/blog
Criminal Caused Suit on Policy to Drag on for More than Six Years Court Finally Stopped an Unconscionable Level of Overlitigation United States District Judge Gary R. Brown was faced with a legal dispute that, perhaps because the defendant was a criminal, went on for years without a final disposition. In Principal Life Insurance Company v. Jason P. Brand, No. CV 15-CV-3804, United States District Court, E.D. New York (September 29, 2021) the case was reduced to seven years on disputes that appeared to be relativel...
2021-10-1518 minZalma on InsuranceZalma's Insurance Fraud Letter - October 1, 2021 - A VideoOctober 1, 1979 - 2021 – Another Anniversary – Thank You
https://zalma.com/blog
Forty-one years ago today I left the world of the employed and became an entrepreneur by opening my own law firm. The law practice was incorporated shortly thereafter as Barry Zalma, Inc. When I opened for business on October 1, 1979, I had no clients and no certainty that I would have any in the future. I had borrowed money from the bank to carry me through the first six months and was concerned about my ability to pay the loan with my third child about to be born. Muc...
2021-10-0118 minZalma on InsuranceZalma's Insurance Fraud Letter - September 15, 2021A Video from ZIFL - 9/15/2021 -
https://zalma.com/blog
New Articles on Insurance Fraud Cease And Desist Orders Issued to Four Companies Allegedly Selling Home Warranties Without a License The California Department of Insurance announced September 7, 2021 that it has issued Cease and Desist Orders, effective immediately, to four companies who allegedly engaged in selling home warranty contracts in California without proper authorization. Under the Orders, the companies must immediately stop selling the contracts. To protect consumers from fraud, any company marketing and selling home warranty contracts to California consumers must be licensed by the Departme...
2021-09-1618 minZalma on InsuranceZalma’s Insurance Fraud Letter – September 1, 2021California Legislature Wants to Make Application Fraud a Crime
https://zalma.com/blog
Application fraud in California is only recognized with regard to workers’ compensation policies. The proposed new statute provides it will be a crime for any fraud in any insurance application. Why it’s Difficult to Fire a Government Employee Insurance Fraud Conviction Requires Dismissal of Government Employee After Conviction for Fraud State Employee Demands Her Job Fatu Rimbert appealed from a November 12, 2019 final administrative decision of the Civil Service Commission (Commission) affirming her removal as a family service worker for the County of Essex...
2021-09-0118 minZalma on InsuranceZalma’s Insurance Fraud Letter August 15, 2021ZIFL 8/15/2021 -- Volume 25, Issue 16
https://zalma.com/blog and https://zalma.com/zalmas-insurance-fraud-letter-2/
Claim For Damage to Property That Existed Before Issuance of Policy Is Fraud It Is a Crime to Claim Preexisting Damage as New Damage After accepting a Plea Agreement and having a judgment entered the Defendant had no right to expunge his criminal record Vsevolod Sergee Garanin appealed from the order, entered in the Court of Common Pleas of Lackawanna County, denying his expungement petition. Commonwealth Of Pennsylvania v. Vsevolod Sergee Garanin, No. 337 MDA 2020, Superior Court of Pennsylvania (July 30, 2021) Man Bites Dog Story: G...
2021-08-1617 minZalma on InsuranceZalma's Insurance Fraud Letter - August 1, 2021Convicted Insurance Fraudster Appeals Finding She Breached Probation
https://zalma.com/blog
Fraud Perpetrators Have Unmitigated Gall Kristi Heffington appealed from the revocation of her probation. She argued on appeal that the revocation court’s decision was error even though it was proved that she had sent text messages to herself claiming it came from her past employer dentist who fired her for stealing from his practice and defrauding insurers.
In Kristi Heffington v. State of Maryland, No. 1899, Court of Special Appeals of Maryland (July 1, 2021) the appellate court wasted much time dealing with her spurio...
2021-08-0212 minZalma on InsuranceInadequate Foundations & Shear WallsA Video Explaining Foundation & Shear Wall Defects
https://zalma.com/blog
Foundation Defects
A foundation is the base upon which a structure stands. If a foundation is inadequately engineered it will not properly hold a structure up and will pose a hazard to the structure, to adjoining structures, and to occupants of the building. A foundation is the base upon which a structure stands. If a foundation is inadequately engineered it will not properly hold a structure up and will pose a hazard to the structure, to adjoining structures, and to occupants of the buildi...
2021-07-2616 minZalma on InsuranceZalma's Insurance Fraud Letter - July 15, 2021HTTPS://zalma.com/blog
This fraud technique involves a loss at a time when an individual has no or inadequate insurance. Following the loss, the individual applies for insurance or increases the limits of existing coverage. After a period of time (usually several days or weeks), a fraudulent claim is submitted for a loss reported to have happened after the new policy came into effect. Failure of the insurer, or its agent, to see the property (especially if the insurer has included the items on its schedules) before issuance of a policy is an invitation to this type of...
2021-07-1514 minZalma on InsuranceZalma's Insurance Fraud Letter - July 1, 2021ZIFL - Volume 25, Issue 13
https://zalma.com/blog
Attorneys Should Never Be Involved in Fraud with Clients The Crime Fraud Exception to The Attorney Client Privilege In United States of America v. Aron Chervin, Et Al, No. 10 CR 918 (S.D.N.Y. 09/21/2011) an indictment involving multiple health insurance fraud perpetrators attempted to keep from their criminal trial wiretap conversations that seem to establish the crime. By motion dated June 1, 2011, Defendant Michael Lamond (“Lamond”) moved to suppress nineteen telephone conversations between himself and Defendant Aron Chervin intercepted by the Federal Bureau of Investigation (“FBI”) pursuant to court-authorized w...
2021-07-0216 minZalma on InsuranceZalma's Insurance Fraud Letter - June 15, 2021ZIFL - 06-15-2021
https://zalma.com/blog
Quote of the Issue - “Learn from yesterday, live for today, hope for tomorrow.” - Albert Einstein What Is Insurance Fraud? When an insurer is asked to pay a fraudulent insurance claim it is the victim of a tort, a civil wrong and in most states, a crime. Black’s Law Dictionary, 6th Edition, defines fraud as: "An intentional perversion of the truth for the purpose of inducing another in reliance upon it to part with some valuable thing belonging to him or to surrender a legal right; a false...
2021-06-1517 minZalma on InsuranceWater or Wind CoverageCatastrophes and Anti-Concurrent Cause Policy Language
https://zalma.com/blog
The United States Court of Appeal, Fifth Circuit entered an important decision with regard to water damage and insurance policy coverage for claims resulting from water damage and catastrophe losses. In Leonard v. Nationwide, 499 F.3d 419, 37 A.L.R. 6th 785 (2007) the first of the Katrina cases to go to trial, found that anti-concurrent-causation clause was not ambiguous; the clause was not invalid under Mississippi law; and water damages exclusion unambiguously excluded damage caused to residence from storm surge. The Leonards' home lies twelve feet above sea leve...
2021-06-0812 minZalma on InsuranceAn Occurrence Requires FortuityExplaining The Need to Prove an Occurrence
https://zalma.com/blog
An “occurrence” is usually defined as accidental loss or damage which results, during the policy period, in bodily injury or property damage. In Green v. State Farm Fire & Casualty Co. 127 P.3d 1279, 2005 UT App 564 (Utah App. 12/30/2005) a homeowner sued the insured developer after he sustained property damages as a result of a landslide. At the time of the landslide, the developer held a contractor/builder’s risk insurance policy issued by State Farm. The developer initiated a declaratory judgment action against State Farm, seeking defense and i...
2021-06-0718 minZalma on InsuranceTime to Establish Excellence in Claims HandlingA Proposal to Create a Staff of Claims Professionals
https://zalma.com/blog
To avoid claims of breach of contract, bad faith, punitive damages, unresolved losses, and to make a profit, insurers must maintain a claims staff dedicated to excellence in claims handling. That means they recognize that they are obligated to assist the policyholder and the insurer to fulfill all the promises made by the insurer in the wording of the policy. An insurer can create a claims staff dedicated to excellence in claims handling by, at least: Hiring insurance claims professionals. If claims profession...
2021-06-0415 minZalma on InsuranceAsking What is a Moral Hazard?Recognizing a Moral Hazard in the Underwriting of Insurance
https://zalma.com/blog
The moral hazard is the increase in uncertainty caused by personal acts of individuals. These acts may contribute to the probability or severity of loss. The individual creating the problem may be the policyholder or another person. In either case the chance of loss is increased. A moral hazard may be present in every line of insurance. No underwriter can ignore it without incurring an increased risk of substantial loss. The moral hazard is very difficult to detect and therefore very dangerous to the...
2021-06-0317 minZalma on InsuranceZalma's Insurance Fraud Letter June 1, 2021Do Insurers Get Their Money’s Worth from Fighting Fraud?
https://zalma.com/blog
The Law of Unintended Consequences Strikes Again to Help Set Up a Bad Faith Case How a Statute to Protect Against Bad Faith Offers Created an Opposite Result In White v. Cheek, A21A0212, Court of Appeals of Georgia (May 21, 2021) a personal injury action arising from an automobile accident involving Stephan Duwayne White and Walter Cheek. White appealed from the trial court’s denial of his motion to enforce a settlement. White contended that the trial court erred by holding that oral communicat...
2021-06-0117 minZalma on InsuranceCasualty InsuranceA Video Explaining Casualty Insurance
https://zalma.com/blog
"Casualty insurance” is defined as an “agreement to indemnify against loss resulting from a broad group of causes such as legal liability, theft, accident, property damage, and workers' compensation.” Black's Law Dictionary 871 (9th ed. 2009). Liability insurance is part of the casualty line of insurance. A “casualty” is an accidental injury, a fortuitous event. For every such harm there is a law or legal principle that places the burden of the consequences back on the finances of the initiator of the harm. Applying the ancient maxim of the law that “for ev...
2021-05-2715 minZalma on InsuranceThe Unethical InsuredA Video Explaining Ethics and the Covenant of Good Faith & Fair Dealing
https://zalma.com/blog
On rare occasions, an insured will act unethically in his, her or its relations with an insurer. When they do, if discovered by the insurer or its claims person, the right to indemnity may be lost. As you read about the decision from the United States Supreme Court below consider how the insured acted unethically to the insurer and why the Supreme Court decided to deprive the insured of his right to indemnity. Although hoary with age this case still sta...
2021-05-2615 minZalma on InsuranceAppraisal of a Homeowners Policy ClaimA Video Explaining Appraisal in a Homeowners Claim
https://zalma.com/blog
Almost all homeowners policies contain an “appraisal” clause similar to that in the Standard Fire Insurance Policy. Appraisal should be used as a last resort when all efforts to reach an agreed amount of loss with the insured have failed. The appraisal provision is optional, and neither the insured nor the insurer is obligated to invoke that provision. [Overland Plumbing, Inc. v. Transamerica Insurance Company, 119 Cal. App. 3d. 476, 174 Cal. Rptr. 1 (1981).] Under civil practice rules, appraisal can be a formal proceeding at which witnesses are subpoenaed...
2021-05-2517 minZalma on InsuranceAbout the Assault & Battery ExclusionIntentional Torts Should Never Be Insurable
https://zalma.com/blog
Insurance against the liability that comes from an intentional tort is said to be against “public policy.” Insurance companies are generally forbidden to write liability insurance promising protection against the consequences of an intentional tort since such activity would encourage intentional torts. Assault or battery is, by definition, intentional torts that should not be insured. An assault is defined as: An intentional, unlawful offer of corporal injury to another by force, or force unlawfully directed toward person of another, under such circumstances as create well-founded fear of imminen...
2021-05-2115 minZalma on InsuranceAbout More ExclusionsExclusions for Wear & Tear, Depletion, Deterioration, Rust, Corrosion and Erosion, and Water Damage
https://zalma.com/blog
The wear and tear exclusion, perhaps because it is so obvious, has seldom been the subject of appellate review. The exclusion for wear and tear is not, however, as argued by the insured, limited to ‘abnormal wear and tear,’ but rather encompasses all ‘wear and tear’. See Lovell v. State Farm Mut. Auto. Ins. Co., 466 F.3d 893, 902 (10th Cir.2006) Applying Colorado law and holding that when the language used in an insurance contract is plain and its meaning is clear, the agre...
2021-05-2016 minZalma on InsuranceZalma’s Insurance Fraud Letter – May 15, 2021ZIFL – May 15, 2021
https://zalma.com/blog
The May 15, 2021 issue of Zalma’s Insurance Fraud Letter Includes articles on the following subjects: EUO Is A Condition Precedent People who commit insurance fraud tend to run from serious insurers who deny claims for fraud, misrepresentation, concealment or failure to fulfill conditions precedent. State Farm filed an unopposed motion for summary judgment against defendants All Med Merchandise and Trading, Inc., Haar Orthopedics & Sports Medicine, P.C., Park Avenue Orthopedics, P.C., and Anthony Vigorito, D.C., probably because the defendants knew they had no case and placed their efforts to colle...
2021-05-1717 minZalma on InsuranceAdjustment of a Commercial Property ClaimA Podcast About Commercial Property Claims Require Experienced and Qualified Adjusters
The adjustment of a commercial loss is performed in the same manner as any other property loss. The difference is one of tone, extent of loss and professionalism of the insured, rather than substance. Adjusters who usually deal with a business entity, and its officers or employees, rather than an individual, find claims handling is often, but not necessarily always, easier. The experienced adjuster who deals with commercial claims usually has knowledge of the business and the people who operate the business. Some insurers ev...
2021-05-1415 minZalma on InsuranceAbout Care Needed to Elect RescissionRescission is an Important Remedy to Avoid Fraud
Never Rescind a Policy Without a Thorough Investigation and Advice of Counsel
https://zalma.com/blog
Insurers must use the rescission remedy with care. Insurers should never assume that the promise to pay indemnity to the insured under a policy of insurance can, with impunity, be broken by advising the insured that the insurer has rescinded the policy. Rescission without sufficient evidence is wrongful. Rescission without the advice of competent counsel is a tactic fraught with peril. Rescission without a thorough investigation is dangerous. Where no valid g...
2021-05-1218 minZalma on InsuranceMOLD MYTHSInsurance Claims and Mold Reality
https://zalma.com/blog
Get Rich Quick Thanks to Mold
Although there have been successful lawsuits, the days of multi-million dollar verdicts in insurance mold claims are probably disappearing. As for the get-rich-quick mold remediation companies, they are finding that they must give real service or they will soon be visiting the bankruptcy court. "Killer Mold” Exists Despite alarmist headlines that pronounce “Black mold can kill you!” medical research has not been able to determine what amount of exposure to “black mold,” if any, is toxic to a normally healthy ind...
2021-05-1114 minZalma on InsuranceFraud by Divine RightA Video True Crime Story of Insurance Fraud
https://zalma.com/blog
They were All-American girls. Muffy and Buffy met each other as cheerleaders in high school. They were best friends. They did everything together. The two young women shared everything from clothes to boyfriends. They decided to use insurance fraud to supplement their income and allow them to continue to live with nothing but the best in excess of their earnings. Buffy and Muffy admitted to the adjuster that the watches were never stolen in either claim. They withdrew the claim for the two watches...
2021-05-1022 minZalma on InsuranceThe Tort of Bad Faith's Unintended ConsequencesUnintended Consequences of the tort Bad Faith
https://zalma.com/blog
In a typical contract, one party has a duty to perform (construct a building, deliver goods, convey real estate, pay indemnity) and the other party has a duty to pay money or perform a task. Breach by the performer may take the form of nonperformance, defective performance, or delay in performance. The primary purpose of damages for breach of a contract is to protect the promisee’s expectation interest in the promisor’s performance. Damages should put the plaintiff in as good a position as if the defend...
2021-05-0716 minZalma on InsuranceExplaining Construction Defects and Exclusions toIntentional Acts Exclusions and Fortuity
https://zalma.com/blog
Implicit in the concept of insurance is that the loss occur as a result of a fortuitous event not one planned, intended, or anticipated. Oddly, the fortuity principle never appears in insurance contracts. The principle is rooted in common law and in the statutes of at least six states. The fortuity principle has the effect of an exclusion. That is, an all-risk policy might provide coverage for all risks minus named exclusions, but never provides coverage for non-fortuitous events, even though non-fortuitous events are not named exclusion...
2021-05-0416 minZalma on InsuranceZalma's Insurance Fraud Letter - May 1, 2021ZIFL - Volume 25, No. 9
https://zalma.com/blog & https://rumble.com/vgbcof-zalmas-insurance-fraud-letter-may-1-2021.html
The May 1, 2021 issue of Zalma's Insurance Fraud Letter includes the following articles and a video reporting on the key article about the Examination Under Oath at The Examination Under Oath is an Important Tool for Every Fraud Investigation The EUO Is a Serious and Important Part of the Insurer’s Investigation The attorney, insurance claims professional or investigator who conducts the EUO can take a role similar to the role of a prosecutor without the usual constitutional restraints controlling testimony at a depositi...
2021-05-0216 minZalma on InsuranceExplaining the Requirements of "Additional Insured""Additional Insured" Requirements of Construction Contracts and Policies
https://zalma.com/blog
Although the “additional insured” requirement provides additional security to the owner and architect, it can add to the cost of insurance. Regardless, the requirement is often included in contract documents and, if not carefully drafted, can result in multiple disputes as to which insurer is required to defend which insured. Construction contract language should be designed to avoid such disputes. An owner and a contractor should make every effort to obtain language in their contract forms that will avoid ambiguous “additional insured” endorsements. The form language...
2021-04-2915 minZalma on InsuranceExplaining the Construction ContractThe Construction Contract
https://zalma.com/blog
When a construction contract, like every other contract, is unambiguous, the parties’ intent may be determined from the contract alone, and it is the duty of the court—not the jury—to state its meaning. Construction contracts are governed by the same rules as all other contracts. When a court is called upon to interpret a construction contract its terms are given their ordinary and generally accepted meaning with the court working to give effect to the intent of the parties to the contract unless the contract itself gives special...
2021-04-2816 minZalma on InsuranceExplaining the Effect of the Tort of Bad FaithExplaining the Effect of the Tort of Bad FaithWhy it is Time to Abolish the Tort of Bad Faith
https://zalma.com/blog
It is indisputable that in the 1950’s, 1960's and 1970’s the insurance industry abused some insureds to avoid paying legitimate claims. Without a factual basis, insureds were accused of arson or other variations on insurance fraud. Indemnity payments were refused on the flimsiest of excuses. People were found to have diseases that only horses could catch. Disability payments were refused because an insured was wheeled in her wheelchair to church one day and, therefore, was not totally house-confined. Insureds were driven into b...
2021-04-2616 minZalma on InsuranceA Video Explaining the Marine Rule & Rescission of InsuranceThe Marine Rule
https://zalma.com/blog
In some states, even if the false statements made in the application were not warranties but were merely misrepresentations or concealments (whether innocent or intentional), grounds exist for rescission. Fraud need not be proved; this is called the Marine Rule. In Gates v. Madison County Mut. Ins. Co. (5 N.Y. 469, 55 Am.Dec. 360, a "marine rule imposes on the insured, although no inquiry be made, to disclose every fact material to the risk, within his knowledge.” In other words, an applicant for marine insurance must state all material facts which are kn...
2021-04-2317 minZalma on InsuranceA Video Explaining When and How to Advise an Insured a Claim is DeniedThe Denial Must Be in Writing Setting Out All Reasons for the Denial
https://zalma.com/blog
Once a claim is denied, the insured no longer need comply with the conditions of the policy. He or she need not submit a sworn proof of loss nor respond to requests for records or an examination under oath. Therefore, an insurer should not make the decision to deny a claim until it is convinced that it has completed a thorough investigation. If the investigation reasonably justifies a denial of the claim, the insured should always be notified in writing...
2021-04-2215 minZalma on InsuranceExplaining Some "Hard Fraud"Hard Fraud is a Crime
https://zalma.com/blog
The following types of fraud are premeditated and intentionally committed. Those who differentiate between types of fraud would place these in the category of “hard fraud,” which is considered more egregious than “soft fraud” since it is performed with malice aforethought. Hard fraud takes planning, scheming, and even someone on the inside to help you get money from an insurance company. An example of hard fraud would be getting into an accident on purpose so that you can claim the insurance money. This example is fairly prevalent lately; s...
2021-04-2016 minZalma on InsuranceExplaining the Relationship Between the Insurer and Defense CounselLawyers & Adjusters Must Work Together
https://zalma.com/blog
Defense Counsel
Whenever an insured is sued and requires a defense or the insurer is sued, the insurance adjuster and the defense attorney must understand their respective roles in preparing the case for trial. They must develop a rapport with each other and with the insured person or entity that is being defended, to make communication easier to maintain. Bad faith lawsuits and poorly tried bodily injury cases seem to arise when the adjuster and the defense attorney fail to communicate regularly with each other and...
2021-04-1914 minZalma on InsuranceZalma's Insurance Fraud Letter - 04-15-2021ZIFL 4/15/2021
https://zalma.com/blog
Zalma’s Insurance Fraud Letter, in its 25th year is free to anyone who subscribes or goes to the Mr. Zalma’s Website where you can Subscribe to e-mail Version of ZIFL, it’s Free! Read last two issues of ZIFL here. Go to the Barry Zalma, Inc. web site here Videos from “Barry Zalma on YouTube” Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921 See the full video at https://rumble.com/vfnvcj-a-video-from-zalmas-insurance-fraud-letter-april-15-2021.html and at https://youtu.be/zHkVc_ozTqs Read the full issue of ZIF...
2021-04-1519 minZalma on InsuranceExplaining the Equitable Remedy of SalvageHow to Determine the Priority of Rights to Salvage
https://zalma.com/blog
One case involved a dispute among three groups of divers for the right to salvage silver from the cargo of a ship sunk and for the title to whatever silver is recovered. In resolving the problem, the court considered the common law of finds that treats property that is abandoned as returned to the state of nature and thus equivalent to property, such as fish or ocean plants, with no prior owner. The first person to reduce such property to “possession,” either actual or c...
2021-04-1416 minZalma on InsuranceExplaining Negotiation of Settlement of a First Party Property ClaimIt is the Obligation of the Adjuster to Negotiate Settlement with Insured
https://zalma.com/blog
After the adjuster has completed the bid comparison and established the objective amount of the loss, he or she should meet with the insured and present each of the estimates and the bid comparison. The adjuster will then advise the insured that the settlement of the building or structure loss will be based on the objective value of the loss determined by the bid comparison. The decision on which contractor to use is always made by the insur...
2021-04-1319 minZalma on InsuranceA True Crime Podcast of Insurance FraudThe Flying Carpet, a Fictionalized True Crime Story of Insurance Fraud
https://zalma.com/blog
From an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How, and why, my book Insurance Fraud in America is Costing Everyone was written to explain to those who buy insurance thousands of dollars every year and why insurance fraud is safer and more profitable for the perpetrators than any other crime. The names of the perpetrators and the locations were changed to protect the guilty. The original title...
2021-04-1210 minZalma on InsuranceExplaining the Development of the Tort of Bad FaithSome of the First Cases
https://zalma.com/blog
Comunale v. Traders & Gen. Ins. Co In Comunale v. Traders & Gen. Ins. Co., 50 Cal. 2d 654 (1958), the insurance company wrongfully refused to defend its insured who had been sued in the underlying action for damages arising out of an automobile accident. It also refused to conclude the suit after receiving an offer of settlement for about 25 percent of the ultimate judgment obtained against its insured. The refusal resulted in an excess judgment against its insured. In the subsequent bad faith action the insurer was held liable for the entir...
2021-04-0815 minZalma on InsuranceDiscussing Some of the Cases That Gave Birth to the Tort of Bad FaithSilberg and Egan and Why There is a Tort of Bad Faith
https://zalma.com/blog
In Silberg v. California Life Ins. Co., 11 Cal. 3d 452 (1974), the insurer advertised an accident policy with the phrase “Protect Yourself Against the Medical Bills That Can Ruin You.” It issued an accident policy to Mr. Silberg. The policy excluded injuries covered by workers’ compensation. Silberg was injured while performing incidental services at his place of employment. His employer’s compensation carrier denied coverage. Mr. Silberg found himself with substantial medical bills which California Life also refused to pay. Many courts recommend...
2021-04-0718 minZalma on InsuranceZalma's Insurance Fraud Letter - April 1, 2021Not a Joke - Zalma's Insurance Fraud Letter Volume 25, Number 7
zalma.com/blog
Arson for Profit Conviction Affirmed in Pennsylvania John M. Sekerak appealed from the January 16, 2020 judgment of sentence entered in the Court of Common Pleas of Berks County ("trial court"), following his jury convictions for two counts of arson, recklessly endangering another person ("REAP"), and insurance fraud. In Commonwealth of Pennsylvania v. John M. Sekerak, J-S47005-20, No. 387 MDA 2020, Superior Court of Pennsylvania (March 15, 2021) the Pennsylvania court considered the convicted arsonist’s claims of error only to find that he was guilty beyond a reasonable...
2021-04-0115 minZalma on InsuranceA rue Crime Story from Barry Zalma's bookThe Real Cost of Fraud & the Largest Residential Burglary of All Time
https://zalma.com/blog
After twelve months trying to get insurance on over $3,000,000 in jewelry and a like amount of fine arts, a Taiwanese man who was a wanted criminal in his own country convinced two American insurers to agree to insure him against the risk of loss to the contents of his home. To obtain the insurance he concealed from the American insurers that he was, at the time he purchased the insurance: an alien a court had ordered deported; that in his home...
2021-03-1815 minZalma on InsuranceA Video About a New Book About Adjusting Property Claims"The Compact Book of Adjusting Property Claims - Third Edition"
https://zalma.com/blog
The insurance adjuster is seldom, if ever, mentioned in a policy of insurance. The strict wording of the first p arty property policy sets the obligation to investigate and prove a claim on the insured. Standard first party property insurance policies, based upon the New York Standard Fire Insurance policy, contain conditions that require the insured to, within sixty days of the loss, submit a sworn proof of loss to prove to the insurer the facts and amount of loss. In general...
2021-03-1615 minZalma on InsuranceZalma's Insurance Fraud Letter - March 15, 2021Proving Fraud by A Predetermined Treatment Protocol Articles in the March 15, 2021
Issue include the following: RICO Action Against Medical Providers Raises Discovery Difficulties Insurance companies who claim to be the victims of health care providers operating in a no fault auto insurance state like Florida. In Government Employees Insurance Co., et al. v. Mark A. Cereceda, et al., CASE NO. 19-22206-CIV-ALTONAGA/GOODMAN, United States District Court Southern District of Florida Miami Division (January 15, 2021) where Plaintiffs filed a 406-page Complaint asserting 43 counts and attaching more than 8,500 pages of spreadsheets as exhibits. Specifically, Government Employees Insurance Co. (“Geico”) and related Ge...
2021-03-1517 minZalma on InsuranceZalma's Insurance Fraud Letter - March 1, 2021Zalma's Insurance Fraud Letter Volume 25, No 5 Includes the Following Articles:
https://zalma.com/blog
Insurance Fraud by Insurers
Insurance fraud is not limited to fraud by insureds against their insurers. Much to the shame of the insurance industry, the reverse also happens.
The poster child of fraud by an insurer was Martin Frankel who created a scheme he masterminded to “loot” more than $200 million from seven insurance companies that he controlled. Franklin American Corporation, and its wholly-owned subsidiary, Franklin American Life Insurance Company were controlled by another entity, a Tennessee trust named...
2021-03-0113 minZalma on InsuranceZalma’s Insurance Fraud Letter – February 15, 2021Convicted of Insurance Fraud
In State of Delaware v. Paul Disabatino, ID No.: 1505000293, Superior Court of The State of Delaware (February 3, 2021)
Health Insurance Fraud Convictions
Videos on YouTube And Zalma On Insurance from Barry Zalma
Over 110 Videos describing important insurance issues described by Barry Zalma and available to anyone who views or subscribes to the YouTube account. Issues include insurance fraud, definition of insurance, insurance as a contract of personal indemnity, millions for defense and not a dime for tribute and the tort of bad faith. Please subscribe. There are 62 Videos are at ht...
2021-02-1514 minZalma on InsuranceZalma's Insurance Fraud Letter - February 1, 2021See the full video at https://youtu.be/1Lvbxku45ho
https://zalma.com/blog
Read the full article at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-barry-zalma-esq-cfe-17c/ a
Quote of the Issue:
“Man is only wise while he searches for wisdom; if he thinks he’s found it, he’s a fool.” - Rabbi Shlomo ibn Gavrioel
Florida Insurers Actively Pursue Fraud Perpetrators in RICO Suits
In a suit filed January 13, 2021, Heritage Property and Casualty Insurance Company...
2021-02-0109 minZalma on InsuranceAdditional Construction DefectsAdditional Construction Defects
https://zalma.com/blog
Flashing Defects
Flashing failures typically are related to the following:
improper design;
detailing;
materials selection; or
improper installation.
Joint Defects
Joint defects in building facades and paving are generally related to sealant failures. Joints are protected against water penetration and air infiltration by use of sealant or mortar. Many types of sealants are used, including silicones, polyurethanes, and polysulfides...
2021-01-2916 minZalma on InsuranceMore Construction DefectsWater Intrusion, Plumbing Defects, Water Pipe Defects, PB pipes, Roofing Defects
https://zalma.com/blog
Structures, whether residential or commercial, are expected to be watertight. The only water that should enter a structure is that which serves domestic water needs for baths, sinks, toilets, washing machines, dishwashers, and other water-using appliances.
Damages from water intrusion can range from a simple cosmetic fix¾repainting of walls or ceiling to total destruction of a structure.
Plumbing defects, insufficient overhang on roof, wrong materials for geographic region (e.g...
2021-01-2817 minZalma on InsuranceA Video Explaining More Construction DefectsWater Intrusion, Plumbing Defects, Water Pipe Defects, PB pipes, Roofing Defects
https://zalma.com/blog
Structures, whether residential or commercial, are expected to be watertight. The only water that should enter a structure is that which serves domestic water needs for baths, sinks, toilets, washing machines, dishwashers, and other water-using appliances.
Damages from water intrusion can range from a simple cosmetic fix¾repainting of walls or ceiling to total destruction of a structure.
Plumbing defects, insufficient overhang on roof, wrong materials for geographic region (e.g...
2021-01-2718 minZalma on InsuranceExplaining Some Construction DefectsThe Defects
HTTPS://zalma.com/blog
Construction defects are any deficiencies in the performance or completion of the design, planning, supervision, inspection, or construction for any new building or structure that has been remodeled or undergone repairs.
Understanding what a construction defect is has become so complex that states have begun to define them by statute. For example, construction defects are defined as a “violation of statutory performance standards for every building component in a dwelling” for any new residential construction sold after January 1, 2003, in California. [California Civil Code § 895 et seq. “R...
2021-01-2615 minZalma on InsuranceZALMA’S INSURANCE FRAUD LETTER JANUARY 15, 2021ZALMA’S INSURANCE FRAUD LETTER JANUARY 15, 2021
https://zalma.com/blog
Professional Insurance Adjusting and Insurance Fraud
At the turn of the century, insurers, in a search for profit, decimated their professional claims staff. They laid off experienced personnel and replaced them with young, untrained and unprepared people.
A virtual clerk replaced the old professional claims handler. Process and computers replaced skill and judgment.
Insurers intentionally forgot that the promises made by an insurance policy are kept by th...
2021-01-1516 minZalma on InsuranceZalma’s Insurance Fraud Letter – January 1, 2021Zalma’s Insurance Fraud Letter
January 1, 2021
https://zalma.com/blog
Read last two issues of ZIFL at https://zalma.com/zalmas-insurance-fraud-letter-2/
Happy New Year – 2021 Must, and will be, Better than 2020
Guilty of Insurance Fraud
People who commit insurance fraud think it is a crime without punishment or concern. When they are caught, prosecuted and convicted, the perpetrator is so amazed that he or she is one of the few unlucky ones who were caught that they use their ill-gotten gains to fund...
2021-01-0405 minZalma on InsuranceZalma's Insurance Fraud Letter - Insurance Fraud Costs Everyone - 12-15-2020 - Listen to the Christmas Fable of FraudMerry Chirstmas – Happy Hanukah & May the Winter Solstice be Peaceful & Mild
https://zalma.com/blog
A Christmas Fable of Insurance Fraud
Most insurance criminals, unlike Raymond, know about the lack of staff, how overworked and underpaid adjusters are, and would never sign a release. The insurance criminal would either try to bribe the SIU investigator or sue the insurer for bad faith for having the gall to claim they caught them at their crime. Insurance fraud perpetrators do not give up a chance of easy money just because their scheme did...
2020-12-1519 minZalma on InsuranceZalma’s Insurance Fraud Letter – December 1, 2020ZALMA’S INSURANCE FRAUD LETTER DECEMBER 1, 2020
https://zalma.com/blog
Read the full Zalma's Insurance Fraud Letter at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-december-1-2020-barry-zalma-esq-cfe-1c and see the full video at https://youtu.be/Phva0x6RNYQ and at https://rumble.com/c/c-262921 and at https://zalma.com/blog plus more than 3500 posts.
Evidence of A Prior Fire Is Available to Prove Fraud
2020 Canadian Insurance Fraud Report
Minnesota Fraud Bureau: Insurance Fraud Referrals Up In 2019
No Harm, No Foul When Instruction Error...
2020-12-0116 minZalma on InsuranceZalma's Insurance Fraud Letter - November 1, 2020ZALMA’S INSURANCE FRAUD LETTER
https://zalma.com/blog
On or Before November 3, 2020 It is Imperative That Everyone Votes. I Have My Preferences and I Will Exercise the Right and Obligation to Vote. I Hope You All Will Do the Same.
Volume 24, Issue 21 – November 1, 2020; Subscribe to e-mail Version of ZIFL, it’s Free! Read last two issues of ZIFL here. Go to the Barry Zalma, Inc. web site here Videos from “Barry Zalma on YouTube” Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921A ClaimSchool...
2020-11-0215 minZalma on InsuranceZalma's Insurance Fraud Letter - 10-15-2020Zalma's Insurance Fraud Letter
See the full article, and the previous Fraud Letter, in Adobe pdf format at https://zalma.com/zalmas-insurance-fraud-letter-2/
On or Before November 3, 2020 It is Imperative That Everyone Votes.
Unlicensed Doctor Convicted of Insurance Fraud and Other Crimes
After Patrick E. Usanga (Usanga) was convicted for many crimes of fraud he appealed his convictions unsuccessfully and then filed Post Conviction Relief Act motion to set aside the conviction in Commonwealth of Pennsylvania v. Pa...
2020-10-1512 minZalma on InsuranceA Video Explaining What is Needed to Adjust the Commercial Property Loss Posted on October 8, 2020 by Barry ZalmaAdjusting the Commercial Property Loss
https://zalma.com/blog
The adjustment of a commercial loss is performed in the same manner as any other property loss. The difference is one of tone rather than substance.
Adjusters who usually deal with a business entity, and its officers or employees, rather than an individual find claims handling is often, but not necessarily always, easier.
The experienced adjuster who deals with commercial claims usually has knowledge of the business and the people who operate the business. Some insurers even assign a single adjuster to a major...
2020-10-0815 minZalma on InsuranceZalma's Insurance Fraud Letter - October 1, 2020October 1, 1979 – 2020 – Another Anniversary – Thank You
Forty-one years ago today I left the world of the employed and became an entrepreneur by opening my own law firm. The law practice was incorporated shortly thereafter as Barry Zalma, Inc. When I opened for business on October 1, 1979, I had no clients and no certainty that I would have any in the future. I had borrowed money from the bank to carry me through the first six months and was concerned about my ability to pay the loan with my third child about to be born.
Much to my surprise and...
2020-10-0115 minZalma on InsuranceZalma's Insurance Fraud Letter - September 15, 2020https://zalma.com/blog
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2020-09-1514 minZalma on InsuranceZalma's Insurance Fraud Letter - July 15, 2020https://zalma.com/blog
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2020-07-1518 minZalma on InsuranceGetting the Whole Truth - A New Book by Barry Zalma from the ABAhttps://zalma.com/blog
---
Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support
2020-06-3017 min