Sitemap - 2023 - Excellence in Claims Handling
Clear Policy Exclusion Defeats Claim
Lie to Your Insurer and You Will Lose
Where There is a Will – There are Relatives
Insurance Fraud as a State Crime
Waiver of Right to Appeal Effective
Zalma’s Insurance Fraud Letter – December 15, 2023
Insurance Litigation Never Easy
Activities of Lawyer in the Capacity of an Officer of Another Business Excluded
No Right to Insurance Proceeds After Foreclosure
When Parties Agree to Appraisal Court has no Choice but to Agree
Drunk Driving into a Pole Not a Covered Loss
Tardy Claim Allows Judgment for Defendant
Chutzpah: Criminal Seeks Disability Because his Crime was Discovered and Prosecuted
Zalma’s Insurance Fraud Letter – December 1, 2023
Invite your friends to read Excellence in Claims Handling
Too Stupid to Succeed at Fraud
It is Expensive to Lie to Your Insurer
The Effect of the Insured’s Breach of a Material Condition
Unambiguous Policy Terms Must Be Applied
The Perfect Gift for Your Insurance Company & Insurance Claims Clients
Insurance Does Not Cover a Sure Thing
“Personal Injury” Coverage Exclusion Eliminates Coverage
Why Insurance Fraud Is Costing You & Your Neighbors
Getting the Whole Truth Part 2 - a Webinar
MURDAUGH’S FRAUD DESTROYS ANOTHER LAWYER
Zalma’s Insurance Fraud Letter – November 15, 2023
Why Insurance Fraud is Costing You & Your Neighbors
Conditions in First Party Property Insurance # 2
No Written Agreement Ends Claim as an Additional Insured
Conditions in First Party Property Insurance Policies
Contiguous Trigger is Law in West Virginia
Insurance Fraud is a Violent Crime
Florida Refuses to Offset Tort Damages with Bad Faith Damages from an Underinsured Motorist Insurer
“Post Loss Underwriting” - How the Equitable Remedy of Rescission Was Changed to a Tort
Insured Must Get Excess Insurer’s Permission Before Settling Claim
Millions for Defense and Not a Dime for Tribute
Admitting to Facts That Establish Exclusion Is Fatal
Zalma’s Insurance Fraud Letter – November 1, 2023
No Privilege When Documents Placed in a Dispositive Motion
No Court Has Unlimited Patience
How Insurers and Arson Investigators Have Taken The Profit from Arson-for-Profit Schemes
Always Give Yourself the Same Limits You Give Third Parties
Only Fools Fail to Read Policy and Assume Coverage Exists
Conviction by Plea Manifestly Just
After Avoiding Prison Fraudster Appeals Unsuccessfully
Contributory Negligence Still a Defense in Maryland
Zalma’s Insurance Fraud Letter – October 15, 2023
Infringement Exclusion Affirmed
Not Wise to Explain Scheme to Defraud to FBI Informants
California Conference of Arson Investigators Training Seminar
Evidence Required to Prove Fraud
Insurer Not Obligated to Share With Successor Insurer
Court Affirms Intent of Insured and Insurer
Employee’s Illegitimate Acts Insured
Giving Up Right of Subrogation Cost Insurer $25 Million
Man Bites Dog: GEICO Bites Fraudsters
Zalma’s Insurance Fraud Letter – October 1, 2023
Louisiana v. North Carolina Insurance
Sovereign Immunity Defeats Claim
No Duty to Accept Offer Five Times Policy Limit
Underwriting Against Moral Hazards
Imperfect Investigation Not Bad Faith
Parties to Insurance Contract Alone Can Commit Bad Faith
Lies on Application & Insurance Never Existed
Zalma’s Insurance Fraud Letter – September 15, 2023
Arson for Profit Scheme Defeated by Rescission
No Defense for Assault & Battery
Unwritten Intent Uninforceable
Barry Zalma Will Speak at the California Conference of Arson Investigators Fall Seminar
Insurer Has Right to Control Defense
Criminal Lawyer Effectively Defended Child Abuser
Taking the Profit Out of Fraud is Effective
It’s Not Nice to Accuse a Person of Insurance Fraud
Zalma's Insurance Fraud Letter - September 1, 2023
Appraisal Exists to Establish Quantum of Loss
Information Request not Refusal to Appear
Hindsight Can’t Change Policy Limits
Unambiguous Exclusion Effective
Insurance Fraud is a Violent Crime
Allstate’s Qui Tam Actions Work to Take the Profit Out of Fraud
Insurer Protects its Insured with a Settlement
Zalma’s Insurance Fraud Letter – August 15, 2023
Strict Compliance With Warranty Required
Refusal to Pay Starts Running of Limitation of Action
A Lawyer by Any Other Name is Still a Lawyer
The Spoons Ran Away With Insurance Money
Hurricane Warranty Sinks Claim
Suit Fails for Failure to Read Policies
No Defense Because of Six Month Delay
Lawyer Paying For Clients Guilty
Zalma's Insurance Fraud Letter - August 1, 2023
Video 21 - The Homeowners Policy
Is a Covid-19 Lawsuit Frivolous?
No Coverage After Expiration of Policy
A Threat of Litigation is not a Claim
Torch Down Roofing Exclusion Unambiguous
Creative Pleading Does not Avoid Punishment for Sloth
Denying Letter Seeking an Arson Fire is Frau
Video 20 - the Jewelers Block Policy
Excellence in Claims Handling and the Examination Under Oath
Zalma’s Insurance Fraud Letter – July 15, 2023
Mistake Not Grounds for Bad Faith
Res Judicata – You Only Get to Bite Defendant Once
Potentially Compromised Embryos not a Direct Physical Loss
To Stack or Not to Stack, That is the Question
Arbitration May be used to Resolve Fraud
Zalma’s Insurance Fraud Letter – July 1, 2023
The Fourteenth Amendment to the Constitution Ensures Racial Equality
Where there is a Will There are Relatives
It’s Not Nice to Defraud Your Elderly Mother
Defense Required Because Exclusion is Ambiguous
No Restitution from Defrauded Insurer
Courts do not Make Different Contracts
No Coverage to Run Down Your Wife
Excellence in Claims Handling Video No. 19
Bee Gees Were Right: Staying Alive is Important
Life Insurance Can Be Hazardous to Your Health
Zalma’s Insurance Fraud Letter – June 15, 2023
No Defense of False Advertising
No Damages for Litigating While Black
No Cover for Faulty Workmanship
Convicted Killer Must Stay in Jail
Second Attempt at Same Argument Fails
Restitution Order Can’t Be Discharged in Bankruptcy
Tinkle Steals as an Authorized Representative
Zalma's Insurance Fraud Letter - June 1, 2023
Underwriting is Always Before a Policy Is Issued
The History of the Equitable Remedy of Rescission
The Law of Unintended Consequences
Insured Obligated to Set Policy Limits
Steal from Government Go to Jail
Intentional Act Defeats Coverage
Zalma’s Insurance Fraud Letter – May 15, 2023
Panel Rehearing Denied by Ninth Circuit
Millions for Defense: Not a Dime for Tribute
More Rules of Contract Interpretation
Prejudice Not Required for Claims Made Policy
Judgment for Unjust Enrichment
It’s Not Nice to Sell a Property You Don’t Own
Zalma’s Insurance Fraud Letter – May 1, 2023
Policy Words Overrule Unwritten Intent
Marine Policy not Crop Insurance
Qualified not Absolute Privilege
Chutzpah! Fraudster Sues Twice
Reservation of Rights Requires Reimbursement of Settlement Paid
A Video Explaining Liability Insurance
Collateral Estoppel Prevents New Litigation
A Webinar on Getting the Whole Truth
Zalma’s Insurance Fraud Letter – April 15, 2023
Investigation of First Party Property Claims
Webinar: Getting the Whole Truth
Exclusion for Vehicles with Less than Four Wheels Invalid in Oregon
Fraud by any Other Name is Still Fraud
Convicted Fraudsters Must Make Restitution
The Defeat of a Fake $10 Million Jewelry Robbery Insurance Claim
Rescission Applies to Bus Jumpers
No Respondeat Superior for Impaired Driver
Zalma's Insurance Fraud Letter = April 1, 2023
No Contract Compelling Arbitration Between Insurer and Insured No Arbitration
Mortgagee has no Right to Insurance Proceeds After Debt Paid
WILFUL ACT EXCLUDED BY CALIFORNIA STATUTE
No Contact With Vehicle = No Coverage
Failure of Lawyer to Report Claim Fatal to Coverage
“The Passover Seder For Americans”
Malicious Prosecution Not Insurable in California
MCS-90 Endorsement Not Insurance
A Video Explaining Various Kinds of Insurance Policies
No Breach of Contract no Bad Faith
Arsonist Acting as his Own Lawyer Fails
Court Refuses to Rewrite Policy
New Fiction About Insurance Fraud
Criminal Sexual Abuse of Students Excluded
Zalma’s Insurance Fraud Letter – March 15, 2023
“The Passover Seder For Americans”
Chutzpah – Claim from Killer Refused
Arbitrator’s Factual Errors Not Ground to Vacate Award
No Water to Sprinkers - No Coverage
Employer Provided Life Policy Expired
Zalma’s Insurance Fraud Letter – March 1, 2023
Agent's License Removed for Fraud
Homeowners Policy Never Covers Business Pursuits
Books to Create the Insurance Professional
CGL is a Third Party Liability Policy
Unambiguous Exclusion Must Be Applied
Zalma’s Insurance Fraud Letter – February 15, 2023
Seventh Circuit Applies Contractual Limitation of Action Provision
Michigan’s Common Law Considers an Independent Insurance Agent is an Agent of the Insured
Conviction for Second-Degree Reckless Homicide Could be an Accident
Video Number 13 - Claims Counsel
Liability Insurance Only Protects Other than the Insured
GOOD CAUSE FOR IME ESTABLISHED
Zalma’s Insurance Fraud Letter – February 1, 2023
How Russian Immigrants Became Rich
Eleventh Circuit Allows Retrial of Esformes
Never Breach a Condition Precedent
No Defense for Economic Damages Alone
COVID Does Not Cause Physical Loss or Damage
Zalma’s Insurance Fraud Letter – January 15, 2023
An Excellence in Claims Handling Program
Insurer Must Act to Protect Its Insured