Sitemap - 2024 - Excellence in Claims Handling
Thanksgiving Wishes from the Zalma Family
When Rejected in Writing no UM/UIM Coverage
Insurer Properly Sanctioned for Failure to Obey Court Order
The Insurance Examination Under Oath & Millions for Defense & Not a Dime for Tribute
Requiring an Insurer to Waive its Right to Subrogation is a Valid & Enforceable Contract
Appear for a Scheduled EUO or Lose
EUO is a Material Condition Precedent
Zalma's Insurance Fraud Letter - November 15, 2024
Chutzpah – STOLI Fraudster Claims Hardship
The Examination Under Oath and Millions for Defense & Not a Dime for Tribute
Chiropractor Disciplined for Improper Billing
No Breach of Contract no Bad Faith
Fraudulent Claims of Injury Defeated
Permanent Punishment for Conviction for One Ounce of Cocaine Improper
Insurance Fraud Requires Doctor to Lose his License
Private Limitations of Action Provision Enforced
Proof of Loss Requirement Waived
Zalma’s Insurance Fraud Letter – November 1, 2024
Officer Caught Aiding Criminals for Cash
Man Bites Dog Story: Fraudsters Arbitration Attempts Stopped
Who’s on First & in What Percentage
Pill Mill Doctor’s Conviction Affirmed
Federal Jurisdiction Requires a Federal Issue
Policy Wording Must Limit Appraisal to Quantum Only
Failure to Plead an Identifiable Theory of Liability Requires Dismissal
Misrepresentation by Insurer and/or Agent
UM/UIM Coverage Requires Accident With a “Motor Vehicle”
Forged Referral Defeats Claim Against No Fault Insurer
Res Judicata Foils FOIA Demand
Hit & Run and False Accident Report Punished
Duties and Liabilities of Insurance Brokers
Liability Insurer Has Sole Right to Settle Suits Against Insured
Zalma’s Insurance Fraud Letter – October 15, 2024
Perjury by Witness is a Superseding Cause of Injury
Fifth Amendment Applies in Civil Case
Gangs Involved in Fraud & Murder
Qualified Immunity to Report Suspected Fraud
Court System Abused by In Forma Pauperis Plaintiff
Chutzpah: Fraud Perpetrator Tries to Use Court to Avoid Paying Judgment
Intentionally Presenting a False Claim is a Crime
Adjuster Only Owes a Duty to the Insurer
Zalma’s Insurance Fraud Letter – October 1, 2024
Failure to Pay a Premium Results in Cancellation
Failure to Pay a Premium Results in Cancellation
No Tort Remedy for Non-Insurance Claims Bad Faith
When Insurance Agent Controlled Action of Broker No Action Against Broker
Genuine Dispute Requires Reversal of Summary Judgment
Policy Conditions Remain when Named Insured Added
It is Fraud to Lie to Your Insurer About Material Facts
Plaintiff Waited Too Long to Sue
Man Bites Dog Story: Fraudsters Must Pay Insurer
Unlicensed Contractor Cannot Enforce Contract
For Want of a Union Mortgage Clause Lender Gets Nothing
Zalma’s Insurance Fraud Letter – September 15, 2024
It is Dangerous for Insurance Fraudster to Ignore Court Orders
Requests for Admission in Texas Are Deemed Admitted if no Response
Intentional Acts, Insurance Claims & Exclusions
Insurance Litigants Should Never Play Games With Discovery
It's Not Nice to Set Your Ex-Wife on Fire
The Hawaiian – A True Crime Story
Right to Subrogation Limited by Lease
Rights Available to the Insurer
THE COVENANT OF GOOD FAITH IS AN ETHICAL DOCTRINE
Suit Must be Prosecuted Diligently
An Appellate Court Will Not Change a Plea Contract
Zalma’s Insurance Fraud Letter – September 1, 2024
Go to my Interview on the Art of Adjusting Podcast
Actual Notice of Cancellation Effective
Convicted of a Variety of Fraud Schemes Including Insurance Fraud
Seven Years in Prison for No Fault Fraud
Evidence Needed to Defeat a Motion for Summary Judgment
Unambiguous Exclusion Must be Enforced
Move From Colorado to Missouri Defeats Coverage
A Dog is Nothing More than a Dog
No Coverage to Repair or Replace Construction Defects
Rescission For Lie on Insurance Application
Representing Yourself is Foolish
Duty to Defend Under Difficult Fact Situations
The Differences Between a Claim and a Suit
Victims of Bankrupt Insured Collect Nothing
Zalma’s Insurance Fraud Letter August 15, 2024
Waiver of Two Very Specific Rights Does Not Infer a Waiver of all Rights
Nevada Appears to Ignore SCOTUS on Punitive Damages
CEO Used Money From Company & Its Insurers to Defend Criminal Conduct
Defendant Turned Down Plea & Went To Trial
Fraud Doesn't Pay but Keeps Trying
Zalma’s Insurance Fraud Letter
Bad Faith Requires an Effective Insurance Policy
No Right to Med Pay if Bill Less Than Deductible
Replacement Cost Coverage Limited
Sexual Abuse of Child Excluded
Unambiguous Pollution Exclusion Enforced
Guilty of Workers’ Compensation Fraud
Never Drive a Stolen Vehicle In View of the Owner
Should Have Read "Montana Doesn't Make Bad Faith and Punitive Damages, Easy No Bad Faith in Montana
Agreement to Settle Workers’ Compensation Does Not Compel Payment for Intentional Acts
Insurance Policy Conditions Must be Applied
Zalma’s Insurance Fraud Letter – July 15, 2024
Present as Real a Free and Imaginary Oral Estimate as Proof of Claim is Fraud
Common Law Right Eliminated by Statute
No Coverage for Anti-Kickback Settlement
Excellence in Claims Handling Part Two
Insurer Not Required to Take on the Burden of the Insured's Fraud
Zalma’s Insurance Fraud Letter – July 1, 2024
Books Available From Barry Zalma
Concealment of Prior Act of Sexual Abuse Excluded
Damage While Fleeing Police Excluded
Contract Breach Excluded from D&O Policy
It is Unwise to be a Chameleonic Litigant
Never Delay Responding to Requests for Admission in Arizona
Duties of the Adjuster with Regard to First Party Property Insurance
Arsonist Must Serve Full Sentence
Court Interprets Policy as Written
Auto Insurance only Available for Drivers Listed in Policy
Application Wrongfully Stated No Work on Recreational or Playground Equipment
Zalma’s Insurance Fraud Letter – June 15, 2024
Arbitration Clause in Policy Void in Louisiana
Insurer Has the Right to Oppose Plan that Exposes it to Potential Fraud
No Financial Loss – No Coverage
RICO Suit Against Chiropractors
Duties of the Insured and the Insurer
Chutzpah From Convicted Dentist
No Coverage for Covid Caused Damage
Arsonist Must Pay Restitution to Insurer
Zalma’s Insurance Fraud Letter – June 1, 2024
Appeal Dismissed Even With Fraud Allegation
Umbrella Does Not Have Same Exclusion as Primary
Indictment Establishes Probable Cause
Insureds are Made More Equal Than Insurers
Public Policy is Vague and Uncertain
Unique Insurance Fraud In Louisiana
Overcharge of Force Placed Insurance Defense to Foreclosure
Zalma’s Insurance Fraud Letter – May 15, 2024
Insureds Must Negotiate Terms of Coverage Before Inception
Lender Must Elect To Take Insurance Proceeds
No Meeting of Minds No Contract
Why Insurer Spent Millions to Defend Fraudulent Claim
Incompetent Insurance Fraud Claim Results in Conviction
More Important First Party Property Exclusions
Plaintiff Entitled to Know All Insurance Available to Defendants
Building That Could Collapse is Not a Covered Collapse
Help, My House Is Falling Into The Sea
Lies on Insurance Application Expensive
Zalma’s Insurance Fraud Letter – May 1, 2024
Criminal’s Money Stays With State
Telling the Truth Can't Be Defamatory
It is Nuts to Assume You are Covered
Choking a Friend to Death Not a Covered Loss
Assets Forfeited as Restitution for Murder for Profit
Insurer Immune from Malicious Prosecution Suit
Criminal Tries to Get Out of Sentence
Unclear Language in Policy Interpreted in Favor of Property Owner
Man Bites Dog & Dog Bites Back
Fairly Debatable Action by Insurer
Pro Se Plaintiff’s Qui Tam Suit Fails
Real Property Damage Required for Defense
To Plead Fraud Plaintiff Must Identify Acts of Fraud
Life Insurance Can Be Hazardous to Your Health
Never Lie on an Application for Insurance
Compassion Not Available for Arsonist
Zalma's Insurance Fraud Letter - April 1, 2024
Litigation Between Insurers Should be Avoided
GUILTY OF WORKERS’ COMPENSATION FRAUD
Passover Begins on April 22, 2024
Insurer Must Report Suspected Fraud
Pollution Exclusion Deters Deliberate or Negligent Behavior that Leads to Environmental Harm
Court Must Read Statute as Written
Patient Brokering and Referral Scheme Enjoined
Overwhelming Evidence Establishes Guilt
Zalma’s Insurance Fraud Letter – March 15, 2024
CHUTZPAH – CHARGE OF TWO SEPARATE CRIMES DO NOT VIOLATE CONSTITUTION
Arsonist Begs Ohio Court to Release Him From Prison
Insurance Only Pays for Fortuitous Losses
The Effect of the Insured’s Breach of a Material Condition
How the Adjuster Analyzes the Policy Wording
Fail to Read the Policy at Your Peril
Zalma’s Insurance Fraud Letter – March 1, 2024
The Effect of the Insured’s Breach of a Material Condition
Go To Jail, Do Not Pass Go, Stay in Jail
Ignore Court Orders at Your Peril
ADA Requires Evidence of Intentional Discrimination
Exclusion for Failure to Advise Insurer of Known Potential Loss
It is Time to Control Punitive Damages
Lie on Application & Find Policy Rescinded
Insurance Fraud is a Violent Crime
Bloods Gang Member Guilty of RICO to Defraud Insurers
Why to Never Take an Assignment of Claim Against Insurer
Zalma’s Insurance Fraud Letter – February 15, 2024
Insurance Fraud Attempt Defeated
Agent’s Statement Binds Insurer
No Duty to Defend No Possible Duty to Indemnify
Ambiguous Exclusion Unenforceable
Serious Injury Does Not Change Policy Wording
The Examination Under Oath - A Condition Precedent
Appraisal Pointless if Coverage Not Provided
A Incomplete Aircraft is Still an Aircraft
Zalma’s Insurance Fraud Letter February 1, 2024
Liability Insurance & the Need for Fortuity
Property Investigation Checklists – 14th Edition
FAKE APPLICATIONS COSTS AGENT HIS LICENSE
Infestation of Vultures Excluded
False Statement on Application Requires Rescission
Who’s on First – Defense and/or Indemnity
Zalma's Insurance Fraud Letter - January 15, 2024
Loss of Inventory by Bankruptcy
Exclusions Relating to Proof of Loss
ALLSTATE TAKES A BITE OUT OF CRIME
No Coverage for Benefits no Right to Bad Faith Damages
Violation of Statute Allows Suit for Negligent Failure to Resolve Insurance Claim
GEICO takes a Bite Out of Fraud
No Right to Indemnity After Policy Limit Exhausted