Sitemap - 2021 - Excellence in Claims Handling
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Insurance Fraud Costs Everyone
Construction Defects and Insurance
A Video Explaining Common Law Bad Faith
Belts & Braces Exclusions Sufficient to Avoid Covid Claims
A Video Explaining Some Defenses to Mold Claims
Even With Insurance Wyoming Public Policy Defeats Choice of Law Provision of Contract
Zalma's Insurance Fraud Letter December 15, 2021
A Video Explaining the Private Limitation of Action Provision of a First Party Property Policy
A Video Explaining Hurricanes and Insurance Coverage
Never Rely on a Certificate of Insurance
A Video Explaining the Basics of Construction Footings & Foundations
Adult Child Not a Resident Relative if she Moves Out of Family Home
A Video About Construction Defect Suits Proliferate Like Kudzu
A Video Explaining Grounds for Denying a Claim
A Video Explaining How Insurers Avoid Mold Litigation
Money Held by the State Can’t be Given to a Fraud
A Video Explaining Mold & its Effects on Humans
When a Lawyer Represents a Fraud It is Essential to Clearly Withdraw on that Ground
A Video About The Jewelers Block Conditions
GEICO Proactively Fights Fraud by Suing Providers for Damages
A Video Explaining Types of Warranties
Zalma’s Insurance Fraud Letter – December 1, 2021
A Video About the Voluntary Payments Clause
“Chutzpah” to Appeal a Conviction Where Overwhelming Evidence Established a $31 Million Fraud
A Video Explaining Pandemic & Direct Physical Damage
The Insured Has no Right to Control Settlements Made by Insurer
The Insurance Claims Library the Perfect Gift For Claims People
A Video Explaining Conditions Precedent and Subsequent
Crooked Farmer Goes to Jail and Must Pay $2.5 Million in Restitution
A Video Explaining How to Acquire a Policy of Insurance
Since Insurance Fraud is a Felony Charging Misdemeanors Wasteful
All Ten Volumes of Zalma On Insurance Claims Third Edition Now Available
A Video Explaining Direct & Circumstantial Evidence and The Proof Required
It is Fatal to Your Claim to Lie to Your Insurer
Seeking the Same Remedy Against the Same Parties in a Different Jurisdiction is Improper
A Video Explaining An SIU Profit Center
Being Shot from a Passing Car is Not a Viable UM Claim
Published Today – Zalma on Insurance Claims Part 109 Third Edition
Lawyer Should Know Better – Never Lie on an Insurance Application
Zalma’s Insurance Fraud Letter – November 15, 2021
A Video Explaining How Mold Claims Became Popular
Man Bites Dog Story - Aetna Sues Fraudsters to Recover What was Stolen
A Video Explaining the Union or Standard Mortgage Clause
Insurance Expert May Not Testify About Law or Causation
A Video Explaining The Underwriters at Lloyd’s, London
Ohio Court Allowed Insurance Criminal to Change Felony to Misdemeanor Only to Face an Appeal
Every Professional Claims Person Must Understand Insurance
Drunk Driver Subject to Separate Trial on Punitive Damages
A Video Explaining the Need For Professional Claims Handlers
Don’t Expect Defense or Indemnity from Insurer When One Insured Sues Another
A Video Explaining How Underwriters Protect Against Insureds Who Present a Moral Hazard
The Insured has the Duty to Prove Coverage for Defense
Zalma’s Insurance Fraud Letter – November 1, 2021
View Over 315 FREE Insurance Claims Videos from Insurance Expert
A Video Explaining Insurable Interest
A Video About an Essential Element of the Rescission Remedy
Lender Must Treat Mortgagee With Utmost Good Faith
A Video Explaining the Ethical Requirements on a Lawyer to Settle
When One Customer Stabs Another There is No Coverage for the Bar
A Video Explaining the Use of an IME
Creature of Statute, A Joint Insurance Fund, That is Not Insurance Need Not Share with Insurer
A Video Explaining Why Serious Injuries & Clear Liability Require Quick and Thorough Action
No Coverage for Intentional Act After Conviction for Crime of Reckless Homicide
A Video Explaining Insurance for Punitive Damages
Suing Insurance Companies Over Non-Covered Events go on and Fail
Judge Properly Questioned Witness at Trial to Clarify Insurance Fraud Allegations
A Video About the Unscrupulous Public Adjuster
A Video Explaining the Difference Between Claims Made and Occurrence Policies
Building Vacant for Over 30 Consecutive Days Provides No Coverage for Water Damage
A Video Explaining the Obligations of the Public Adjuster
Interpretation of an Insurance Contract of Adhesion
Finding Evidence to Establish a Right to Punitive Damages
Zalma’s Insurance Fraud Letter – October 15, 2021
A Video Explaining the Doctrine of Reasonable Expectations
Clear & Unambiguous Exclusion Must be Enforced
A Video Explaining the Interpretation of Insurance Contracts
A Video Explaining What to Do When a Claim Includes Multiple Occurrences
Insurer Must Defend and Indemnify Insured Because of Indemnity Agreement in Construction Contract
A Video Explaining the Nature of Insurance Underwriting
Tenth Circuit Makes an Insurance Appraisal a full Arbitration
The Excellence in Claims Handling Program is Coming
A Video Explaining the Construction Contract
To Involve Other Insurers Insured Must Act Promptly
A Video Explaining Insurance for Construction Defects Regarding Structural Failures
Misrepresenting a Material Fact on an Insurance Policy Allows Insurer to Rescind
The Execllence In Claims Handling Program is Coming
A Video Explaining Why Property Insurance Insures People not Property
Unambiguous Policy Condition Must be Followed
A Video Explaining the Need for Professional Liability Claims Adjusters
Court Finally Stopped an Unconscionable Level of Overlitigation
Sixth Circuit Concludes Twice that Covid Shutdown Not Direct Physical Loss
Zalma’s Insurance Fraud Letter - October 1, 2021
A Video on the Requirements to Maintain Insurance as Part of a Construction Contract
Insurer’s $7,870,557.89 Judgment Against Fraudster Stands
How the Adjuster and Insured Agree to Amount of Loss
Colorado State Law Protects Injured Persons from Premature Liens from Hospitals
A Video Explaining how to Obtain a Subrogation Recovery
No Coverage for Qui Tam Suit Filed Before Inception of Policy
A Video On How an Individual Can Help the Government Defeat Fraud
Immediate Offer of Policy Limits Rejected by Plaintiff’s Lawyer Seeking a Bad Faith Case
New Webinars About Excellence In Claims Handling
A Video Explaining the Need to Gather Evidence to Prove Fraud
Hard Work Pays and Default Judgment Entered for Failure to Pay Additional Premium
A Video Explaining the False Claims Act and How Insurers Can Take Advantage of it to Deter Fraud
Insurers Beware: A Chink in the Armor of New York v. Sullivan
A Video About Selecting and Working With Counsel
Man Bites Dog Story: State Farm Sues Chiropractors for Fraudulent Claims
A Video Explaining Evaluation & Settlement
A Video About the Birth & Growth of the Tort of Bad Faith
It’s Not Nice to Lie to Your Insurer
A Video Explaining the Need for Ethical Public Adjusters
Claims Made Policies are Very Different from Occurrence Policies
A Video Explaining the Connection Between Ethics and Excellence in Claims
Void Exclusion Does not Void Entire Policy
When Insured’s Assignee Loses in South Dakota He May Not Sue in Minnesota
Zalma’s Insurance Fraud Letter September 15, 2021
A Video Explaining Expected, Intended or Fortuity in Insurance
Convicted Insurance Fraud Perpetrator Could Not Understand Why He Was in Jail
A Video Revealing The Birth of the Tort of Bad Faith in Comunale v. Traders & General
Insurance Fraud Indictment Thrown Out Because of Inadequate Presentation to Grand Jury
A Video Recitation of Crisci v. Security Ins. Co. of New Haven, Conn.
Insurance Fraud is a Violent Crime
Insurance Fraud Perpetrators are Creative
Covid Shut Down is not Direct Physical Loss or Damage
A Video Explaining Duty to Defend and the Four Corners Rule
Courts do not Have the Power to Rewrite an Insurance Policy
A Video Explaining How to Avoid Charges of Bad Faith Claims Handling
Reporting Requirement of a Claims Made Policy is a Condition Precedent
A Video Why Fraud Must be Defeated Even in the Face of Claims of Bad Faith
Coverage Counsel Should Not Act Outside the Obligation to Advise the Insurer Client
Zalma’s Insurance Fraud Letter – September 1, 2021
A Theft is a Taking of Property
A Video Explaining the Contractual Right of an Insurer to Declare a Policy Void
RTFP (Read the Full Policy) Benefits Limited to Statutory Limits
A Video Explaining the Coinsurance Clause
Coverage, Late Notice & the Notice-Prejudice Rule
The “Chutzpah” of Insurance Fraud Perpetrators
A Video Explaining Compliance with Training Requirement of Fair Claims Regulations
Why it’s Difficult to Fire a Government Employee
A Video Explaining The Development of the Tort of Bad Faith
It is not Defamation to Report a Suspected Fraud to the State
A Video Explaining Uberrimae Fidei
A Video Explaining how to Deal With a Demand for Insurance Appraisal
Federal Crop Insurance Law Preempts State Law
A Video Explaining the Doctrines of Waiver & Estoppel with Regard to Insurers
Fraudulent Joinder of Adjuster ins Suit Against Insurer Does Not Work
A Video that Explains that This Isn’t Fraud I Just Need to Save Money
The Texas Eight Corners Rule Won’t Help Suit Against Insurer
A Video Explaining the Application of the Private Limitation of Action Provision
Insurance Broker is Only Required to Acquire the Policy Ordered by the Named Insured
Zalma's Insurance Fraud Letter - August 15, 2021
Montana Supreme Court Allows Restitution to Insurer
A Video Explaining the Application of Other Insurance Clauses
A Video Explaining The Adjuster’s Obligation to the Insurer’s Underwriters
A Video Explaining “Trigger” of Property Damage Coverage
A Video Explaining Wear and Tear and Inherent Vice
A Video Explaining Why Insurers Require the Adjuster to Write a Captioned Report
The Tort of Bad Faith – Statute of Limitations & Unintended Consequences
A Court Will not Rewrite a Policy to Provide Coverage for Insured
A Video Explaining the Contents Required of a Liability Claims File
Claim for Damage to Property that Existed Before Issuance of Policy is Fraud
A Video Explaining “Fortuity” as an Unwritten Exclusion
RICO Violations by Health Care Providers Require Court to Enjoin Arbitrations
Third Edition Treatise: Zalma on Insurance Claims
Zalma’s Insurance Fraud Letter – August 1, 2021
A Video Explaining the SIU Compliance Office
Arbitrators Must Follow Contract Requirements
A Video Explaining How to Allocate Defense Costs When two or More Insurers Insure the Same Risk
The Examination Under Oath as a Tool to Defeat Insurance Fraud
The Four Corners Rule Strikes Again
All Claims Personnel Must be Trained by September 1, 2021 on Fair Claims Regulations
Sexual Assault in and on an Auto is not “Use” of the Auto
A Video Explaining Foundation & Shear Wall Defects
Appraisers Authority Limited to Determining Actual Cash Value of Loss
A Video Explaining Construction Experts
Falsely Reporting an Auto Stolen is Insurance Fraud
A Video Explaining Some More of the Construction of a Dwelling
Refusal to Testify at Examination Under Oath is a Breach Condition Precedent
To Deal With Construction Defects it is Necessary to Understand Construction – Two
Insurance Fraud as a Federal Crime
A Video Explaining Some of the Construction of a Dwelling
Convicted Insurance Fraudster Appeals Finding She Breached Probation
A Video Explaining the Remedies Available for Defects
Anti-SLAPP Motion by Doctor Charged in Qui Tam Case for Fraud Fails
Pollution Exclusion Applies to Coal Dust
Zalma’s Insurance Fraud Letter – July 15, 2021
A Video Explaining the Interpretation of Actual Cash Value
A Video Explaining The Equitable Remedy and Insurance
Arsonist with “Chutzpah” Tries to Get Out of Jail Because of Covid-19
Eighth Circuit Court of Appeals Finds No Physical Loss & No Coverage for Covid Shutdown
A Video About The Public Adjuster & Fraud
Zalma on Insurance Claims – Three New Third Edition Volumes
ETHICS AND THE PUBLIC INSURANCE ADJUSTER
A Video Explaining the Investigation of Third Party Insurance Fraud
A Video: Tools Available to Insurers to Fight Fraud
Waiver of Punitive Damages Must be Clear, Unmistakeable and Unambiguous
A Video Explaining Why a Plaintiff Has no Right to Assert Fifth Amendment Protection
Lessee’s Agreement to Self-Insure Lessor Treated Like Insurance
A Video Explaining the Right of Insurers to Assist Prosecutors
Failure to Initial a Form Became Purchase of UM/UIM Coverage
A Video Explaining Professional Conspiracies
Policy only Insures Members of Same Household
Catastrophe Fraud & Criminal Acts
Intentionally Harvesting Timber Without Right Not a Peril Insured Against
Zalma's Insurance Fraud Letter
Qui Tam Actions Stop Insurance Fraud
Statute Requiring Simplified Language in Insurance Policies Does not Add Coverage
A Video Explaining How to Discover and Defeat Insurance Fraud
Attorneys Should Never be Involved in Fraud With Clients
A Video Explaining How to Retain Defense Counsel
An Insured Cannot Commit a “Little” Fraud Anymore than be a “Little Dead”
Conflicts Between Defense Counsel, Insured and Insurer
No Coverage for Failure to Testify at EUO
Preparation for Trial of an Insurance Tort Case & Use of Experts
There are Many “Victims” of the “Mostly Peaceful Demonstrations”
“Regular” Found to be Ambiguous and Domicile to be Residence
Use of Experts to Resolve Claims
Trial Court’s Lack of Action Made Moot the Issues Raised on Appeal
Advice of Counsel as a Defense to the Tort of Bad Faith
Security Officer Must Be an Employee to be An Insured
Insurance for Punitive Damages
Fairly Debatable Appraisal Award Paid Promptly and in Full Defeats Bad Faith Claim
Zalma's Insurance Fraud Letter - June 15, 2021
Some Grounds for Finding Bad Faith
No Coverage for Injury to a Resident Relative
Arson & Fraud by Husband Voids Entire Policy
If an Insurer Wants to Defeat Coverage it Should Collect Convincing Evidence
Evidence Establishing Insured Set Fire to Dwelling Avoids Bad Faith
Zalma's Insurance Fraud Letter for June 1, 2021
Postal Inspector Guilty of Insurance Fraud
An Occurrence Requires Fortuity
Setting a Fire and Presenting a Claim for Items Not Burned is Insurance Fraud & Arson
Law of the Case Defeats Bad Faith Suit
Time to Establish Excellence in Claims Handling
Insurance law, insurance claims, insurance fraud, insurance coverage,