ZALMA’S INSURANCE FRAUD LETTER – 12-02-2015

December 1, 2015

Volume 19, No. 23

Click Here to Obtain today’s Issue.

A ClaimSchool ™  Publication, Written by Barry Zalma, Esq., CFE
©  2015 ClaimSchool, Inc. & Barry Zalma

Volume 19, No. 23 –  December 1, 2015

Subscribe to e-mail Version, it’s Free! or read at http://www.zalma.com/ZIFL-CURRENT.htm 
Go to my blog Zalma On Insurance at http://zalma.com/blog

Go to Zalma Books – E-Books and Articles by Barry Zalma – http://www.zalma.com/zalmabooks.htm

Zalma’s Insurance Fraud Letter – October 15, 2015

ZALMA’S INSURANCE FRAUD LETTER
ZIFL is published 24 times a year by ClaimSchool. It is provided free to clients and friends of  Barry Zalma, Inc., clients of Zalma Insurance Consultants and anyone who subscribes at this link.  The Adobe version is available FREE on line at http://www.zalma.com/ZIFL-CURRENT.htm.

This Issue contains stories dealing with the following subjects:

• Refuse to Submit to EUO – Lose Everything
• Profomative Academy Courses by Barry Zalma
• New Books from Barry Zalma
• Insurance Fraud Conviction Affirmed
• Fortuity — Necessary to Understand Insurance Fraud
• Strange Testimony
• Good News From the Coalition Against Insurance Fraud
• Health Insurance Fraud Convictions
• Other Insurance Fraud Convictions

THE “ZALMA ON INSURANCE” BLOG

The most recent posts to the daily blog, Zalma on Insurance, are available at http://zalma.com/blog including the following:

• Fortuity – November 30, 2015
• Crooked Doc Gets Nothing From Insurer – November 27, 2015
• Never Volunteer To Pay More Than Your Policy Limit – November 27, 2015
• Potential for Coverage Requires Defense – November 27, 2015
• No Right to Bad Faith Claim Against NFIA – November 25, 2015
• What I am Thankful For – November 24, 2015
• Always Best to Defend Close Cases – November 24, 2015
• Unambiguous Exclusion Always Applies – November 23, 2015
• Insurer Has the Right to Limit Coverage – November 23, 2015
• Murder Does Not Pay – November 20, 2015
• Claims Made & Reported Condition Defeats Late Claim – November 19, 2015
• No Excuse For Refusing to Respond to Motion for Summary Judgment – November 18, 2015
• Failure to Maintain Insurance a Crime In Arkansas – November 17, 2015
• CGL Provides No Cover For Building House on Someone Else’s Land – November 16, 2015
• 30 Year Failure of Notice Bars Coverage – November 16, 2015
• Zalma’s Insurance Fraud Letter – November 15, 2015 – November 15, 2015
• Filed Rate Doctrine Defeats Class Action – November 13, 2015
• It’s The Insured’s Fault – November 12, 2015
• Coverage for Consequential Property Losses – November 11, 2015
• Connecticut Explains Meaning of “Arising Out Of” – November 10, 2015

Zalma’s Insurance 101

Zalma Insurance Consultants and ClaimSchool Inc. have launched “Zalma’s Insurance 101,” a new online resource that provides video-based insurance training on http://www.zalma.com/videoblog/. Each educational video, which is about three minutes each, offers free commentaries on insurance, insurance claims handling, and insurance coverage.

Designed for people in the insurance business, whether they are working as an insurance agent, insurance broker, insurance claims person or insurance lawyer, the video series teaches the basics and beyond. It starts with a definition of insurance, moves through methods to read and understand an insurance policy, and continues on to deal with the claim and use of investigative techniques.

Said Zalma, “It is my intent in creating these videos to provide anyone interested in insurance a means to painlessly learn everything there is to know about property and casualty insurance in three-minute increments. If you start at Video Volume 1 and watch a new video every day, three minutes a day, five days a week, you will have 12.5 hours of insurance education at the end of a year.”

• Insurance 101 – Chapter 3 – Volume 4 – More on Moral Hazard
• Insurance 101 – Chapter 3 – Volume 2 – More on Underwriting
• Insurance 101 – Chapter 3 – Volume 1 – Underwriting
• Insurance 101 – Chapter 2 – Volume 3 – Duty of Primary Insurer to Excess Insurer
• Insurance 101 – Chapter 2 – Volume 12 – More on Excess v. Primary
• Insurance 101 – Chapter 2 – Volume 11 – Excess Need Not Defend Until Primary Limits Exhausted
• Insurance 101 – Chapter 2 – Volume 10 – Statutory Involvement In Other Insurance Clauses
• Insurance 101 – Chapter 2 – Volume 9 – Insurance Triggers
• Insurance 101 – Chapter 2 – Volume 8 – The Minority Approach to Other Insurance Clauses
• Insurance 101 – Chapter 2 – Volume 7 – Resolution of Conflicts with Other Insurance Clause
• Insurance 101 – Chapter 2 – Volume 6 – Other “Other Insurance” Clauses
• Insurance 101 – Chapter 2 – Volume 5 – Why Escape Clauses Are Disfavored
• Insurance 101 – Chapter 2 – Volume 4 – Escape Other Insurance Clauses
• Insurance 101 – Chapter 2 – Volume 3 – Excess Other Insurance Clauses
• Insurance 101 – Chapter 2 – Volume 2 – More on Other Insurance Clauses
• Insurance 101 – Chapter 2 – Volume 1 – Other Insurance Clauses
• Insurance 101 – Vol. 71 – The Certificate of Insurance
• Insurance 101 – Volume 70 – Stacking
• Insurance 101 – Volume 69 – Miscellaneous Provisions to the CGL
• Insurance 101 – Volume 68 – Equitable Subrogation
• Insurance 101 – Volume 67 – Rescission

View one a day, starting at Volume 1 each day for a year or watch as many as you like. I will continue to add to the list as time goes by with the information adapted from my book Insurance Claims: A Comprehensive Guide, available from National Underwriter Company.
New From National Underwriter

Available from the Zalma Insurance Claims Library.

URL: http://www.nationalunderwriter.com/reference-bookstore/property-and-casualty/zalma-insurance-claims-library.html
Insurance Claims: A Comprehensive Guide
URL:  www.nationalunderwriter.com/InsuranceClaims

“Insurance Law”
URL:  http://www.nationalunderwriter.com/insurance-law.html

Mold Claims Coverage Guide

URL:  www.nationalunderwriter.com/Mold
Construction Defects Coverage Guide
URL:  www.nationalunderwriter.com/ConstructionDefects
New From The American Bar Association
Diminution in Value Damages

How to Determine the Proper Measure of Damage to Real and Personal Property

This book was written to provide sufficient information to those who became interested in the issue since the Georgia Supreme Court decided State Farm Mutual Automobile Insurance Co. v. Mabry, 274 Ga. 498, 556 S.E.2d 114 (Ga. 11/28/2001) and includes cases dealing with the use of diminution in value as a method of determining the amount of loss incurred by a plaintiff seeking indemnity for damage to real or personal property.

This edition has been totally rewritten and expanded, providing the most extensive and detailed coverage of the issue and a thorough explanation of how to apply diminution in value damages to losses to property.
ISBN: 978-1-63425-295-8, Product Code: 5190524, 2015, 235 pages, 7 x 10, Paperback
Available at http://shop.americanbar.org/eBus/Store/ProductDetails.aspx?productId=203226972

The Insurance Fraud Deskbook
http://shop.americanbar.org/eBus/Default.aspx?TabID=251&productId=214624; or  orders@americanbar.org, or 800-285-2221.

Barry Zalma

Mr. Zalma is an internationally recognized insurance coverage and insurance claims handling expert witness or consultant.  He is available to provide advice, counsel, consultation, expert testimony, mediation, and arbitration concerning issues of insurance coverage, insurance fraud, first and third party insurance coverage issues, insurance claims handling and bad faith.

Mr. Zalma publishes books on insurance topics and insurance law at http://www.zalma.com/zalmabooks.html where you can purchase  e-books written and published by Mr. Zalma and ClaimSchool, Inc.  Mr. Zalma also blogs “Zalma on Insurance” at http://zalma.com/blog.

You can follow Mr. Zalma on Twitter at https://twitter.com/bzalma
If for some reason the current issue is not attached it will be available for a month at http://www.zalma.com/ZIFL-CURRENT.htm.  If you receive this notice in plain text the attachment is found at the link at the end of the message called “Location.”

Click Here to Obtain today’s Issue.

Insurance 101 – Construction Defects

December 2, 2015 at 2pm EDT Featured Speaker: Barry Zalma, Esq., CFE, Zalma Insurance Consultants

Barry Zalma is a nationally-renowned insurance coverage and claims expert, attorney,
author, consultant, expert witness and certified fraud examiner.

Exclusive $79 Webinar Bundle Offer Includes: » 1-Hour Webinar: Construction Defect Insurance Claims 101 » Construction Defects Coverage Guide: 2-volume book | 1,248 pages (a $196 value!) » CE Credit has been applied for CA, CT, FL, LA, NC, NY, OH, PA, TX, and VA and is pending certification by their respective Departments of Insurance.

1-Hour Webinar Covers: » Construction Defect Defined » Footings, Foundations, and Frame Construction » Defective Roofing Materials and Failure of Roofing Materials » The Defects » Construction Experts and Consultants » Building Code Compliance » The Construction Defect Suit » And MORE!
Construction Defects Coverage Guide 2015 | Retail Price: $196 | Paperback | 2-volumes | 1,248 pages
Product Number: 6230000   http://www.nationalunderwriter.com/reference-bookstore/property-and-casualty/zalma-insurance-claims-library/construction-defect-insurance-claims-101-webinar.html

Construction Defects Coverage Guide helps property owners, developers, builders, contractors, subcontractors, insurers, and lenders, as well as their risk managers and lawyers rapidly resolve construction defect claims when they arise and avoid construction litigation. If litigation becomes necessary it will help the prosecution or defense of construction defect suits effectively.

The wide range of topics covered helps you: » Identify the potential exposures throughout the entire construction process » Successfully manage the risks » Acquire the correct construction defect insurance » Underwrite against construction defect claims » Understand exactly how insurers decide whether to insure » Confront and minimize losses caused by construction defects » Decide when to pursue litigation or alternative dispute resolution.