Sitemap - 2025 - Excellence in Claims Handling
Go Directly to Jail: Do not Enjoy the Fourth of July
Anti-Concurrent Cause Language Required Claim Denial
Zalma’s Insurance Fraud Letter – July 1, 2025
Man Bites Dog Story – Allstate Sues 42 Defendants for Fraud
Prisoner Acting as His Own Lawyer Misses Prerequisite to His Suit
Health Insurance Benefit Not Available Forever
Failure to Read Policy Fatal to Claim
Ambiguity in Insurance Contract Resolved by Jury
The Clear Language Of The Insurance Contract Controls
Four Corners of Suit Allows Refusal to Defend
Sloth and Failure to Follow Court Orders Requires Dismissa
Malicious Prosecution Requires Successful Termination
The Claims Department is a Critical Component & Can be a Profit Center of the Insurance Company
Dispute Over Extent of Damage is not Bad Faith
Zalma’s Insurance Fraud Letter – June 15, 2025
Covid Does Not Cause Direct Physical Damage
Court Has No Subject Matter Jurisdiction
Defendant Had Sufficient Bargaining Power to Craft an Agreement to its Benefit.
Guilty Pleas of Some Defendants Not Enough for Disclosure
Police Properly Charged Fraud Perpetrator
Allegations That Establish Breach of a Condition Defeats Suit
Zalma’s Insurance Fraud Letter – June 1, 2025
The Misrepresentation/Concealment/Fraud Clause
Plain Language of Policy Enforced
Theft Claim Insufficient to Allow Total Gutting of Structure
Fraud Plus Multiple Arrests and Convictions Requires Defendant to Serve Full Sentence
Diminished Value Exclusion Upheld in Ohio
Insurance Fraud is a Violent Crime
JEFF ZINDER IS MISSED BY ME AND ANYONE WHO KNEW HIM
Failure to Reserve Rights Limits Argument of Insurer
Police Officers Immune From Suit
Insurer Must Consider New Facts
Zalma's Insurance Fraud Letter - May 15, 2025
CGL Is Not a Medical Malpractice Policy
When You File Suit Late You Lose
Insurance Fraudsters are not Nice – They Are Criminals
Pro Se Plaintiff’s Frivolous Suit Dismissed
Umbrella Policy Only Effective After Primary Policy is Exhausted
Insurance Fraud is a Violent Crime
Health Care Fraud Trial Results in Murder for Hire of Witness
Pre-Suit Notice to Hospital Required
Zalma’s Insurance Fraud Letter – May 1, 2025
Lack of Prompt Notice of Loss Defeats Coverage
Hurricane Victims in Louisiana Deprived of Adequate Counsel
It is not Nice to Lie to Your Insurer
Conviction of Health Insurance Fraud Sustained
Pro se Litigants are Presumed to Have Knowledge of the Law
Clear and Unambiguous Exclusion Supports Summary Judgment
Velawcity Allegedly Committed Barratry on Behalf of Lawyers
The Insured Must Produce Tax Returns If the Insurer Demands Production
Judgment for Insurer Because Suit Filed Late
Zalma’s Insurance Fraud Letter – April 15, 2025
American Insurers Need to Adopt and Implement Excellence in Claims Handling
Disbarred Criminal Lawyer Was Unable to Fool Bankruptcy Court
The Hazard of Using Agents Who Lie to Insurers
Insurance Fraud Should Not be a Retirement Plan
Policy Must Specifically and Unequivocally Advise the Insured of Limitation
Fairly Debatable Attempt to Rescind Not Bad Faith
Insurer Who Sues Insured for Fraud Without Evidence Should be Punished
Challenge to Guilty Plea Fails
The Little Book on Appraisal of Insurance Claims
Zalma’s Insurance Fraud Letter – April 1, 2025
The Rare Abuse of the Appraisal Process
Title Insurer Properly Denied Claim
Guilty Paying Kickbacks and Cappers to Defraud Insurers
Can’t Change Definition of ACV by Class Action
It Takes Evidence to Withdraw a Guilty Plea
Staged Accident is One Where Claimed Collision Was Intentional
Effect of Misrepresentation by Agent or Broker
Who’s on First? Insured’s & Insurer’s Burden on Causation
Unsubstantiated Legal Conclusion Defeats Bad Faith Claim
Zalma’s Insurance Fraud Letter – March 15, 2025
“The Passover Seder For Americans”
Insurance Appraisal is an Arbitration in Rhode Island
Lies on Application Voids Policy
Duties and Liabilities of Insurance Brokers
CGL Policy not a Course of Construction Policy
American Insurers Need to Adopt and Implement Excellence in Claims Handling
Sixteen Years in Prison for Stalking
The Compact Book of Adjusting Liability Claims Fourth Edition
Denial of Claim Alone is Not Evidence of Bad Faith
Chiropractor Sues to Get Share of Fraudulent Bills
“Property Investigation Checklists Uncovering Insurance Fraud, 15th Edition”
No Coverage for Known False Statements
Zalma’s Insurance Fraud Letter – March 1, 2025
The Duties & Obligations of the Property Adjuster
For a Suit to Survive There Must be Facts
Lawyer Faces Discipline for Successful Insurance Fraud
“Deterring Insurance Fraud” A New Book by Barry Zalma
Electronic Notice of Renewal Sufficient
The Conclusion of an Adjustment
Post Procurement Fraud Prevents Rescission
Zalma’s Insurance Fraud Letter – February 15, 2025
Trial Court Incorrectly Refused Insurer’s Demand for EUO
Progressive Obtains Judgment of no Coverage
Statutory Employee Entitled Workers’ Compensation Benefits
Notice to Insurers of Potential Claim Controls
Insurance Fraudsters are Annoying
From Insurance Fraud to Human Trafficking
No Mercy for Crooked Police Officer
To Dispute an Arbitration Finding Party Must File Dispute Within 20 Days
Claimed Misrepresentation About a Different Policy Irrelevant
Claimed Misrepresentation About a Different Policy Irrelevant
Failure to Complete Reconstruction Timely Defeated Right to RCV Payment
Zalma’s Insurance Fraud Letter – February 1, 2025
No Tort Remedy for Non-Insurance Claims Bad Faith
UNSUCCESSFUL FAKE ACCIDENT STILL GOES TO JAIL
Do Nothing & Lose Automatically
No Duty to Defend Intentional Acts
Attempt to Avoid Marijuana Exclusion with Claim of Business Interruption Fails
$100 Million Proceeds of Fraud Forfeited
Processing a First Party Property Claim
Case Management Order Must Be Followed
Failure to Plead Breach of Contract Requires Dismissal
Fraud Act and RICO Claims Have Right to Jury Trial
Zalma’s Insurance Fraud Letter – January 15, 2025
No Breach of Contract No Bad Faith
Assignment Invalid for Failure to Comply With Statutory Requirement
No Good Deed by an Insurer Goes Unpunished
Criminal Defendant Must Pay Full Restitution
The Insured Bears The Burden to Prove Loss Due to Peril Insured Against
Rescission of an Insurance Policy
Fraud Resulted in Criminal Conviction of Daniel Carpenter
Chutzpah Not Enough to Prove False Arrest