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THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL Subscribe to the e-mail Version of ZIFL, it’s Free! Post 5179 See the full video at  https://rumble.com/v6y8jai-zalmas-insurance-fraud-letter-september-1-2025.html  and at  https://youtu.be/PVMyZ_HRKGk Zalma’s Insurance Fraud Letter (ZIFL) continues its 29th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a … Read more

The Americans with Disabilities Act (ADA) was signed into law by President George H. W. Bush on July 26, 1990 with the good intentions of helping people with disabilities. It is a federal civil rights law that prohibits discrimination against people with disabilities in everyday activities. The ADA guarantees that people with disabilities have the … Read more

Post 5180 See the full video at https://rumble.com/v6yd2z0-evidence-required-to-prove-breach-of-contract.html  and at https://youtu.be/2ywEjs3hZsw It’s a Waste of Time to Sue Your Insurer if You Don’t Have Evidence In Debbie Beaty and Jonathan Hayes v. Homeowners Of America Insurance Company, No. 01-23-00844-CV, Court of Appeals of Texas, First District (August 26, 2025) Debbie Beaty and Jonathan Hayes filed a … Read more

© 2025 Barry Zalma, Esq., CFE When I finished my three year enlistment in the US Army as a Special Agent of US Army Intelligence in 1967, I sought employment where I could use the investigative skills I learned in the Army. After some searching I was hired as a claims trainee by the Fireman’s … Read more

Post 5182 See the full video at https://rumble.com/v6yeivk-demands-for-reasons-for-termination-not-a-claim.html   and at https://youtu.be/kqI9ZxLj22c It is Imperative that Insured Report Potential Claim to Insurers In Jeffrey B. Scott v. Certain Underwriters At Lloyd’s, London, Subscribing To Policy No. B0901li1837279, RLI Insurance Company, Certain Underwriters At Lloyds, London And The Insurance Company, Subscribing To Policy No. B0180fn2102430, No. … Read more

Who’s on First to Get Life Insurance Proceeds Post 5184 See the full video at https://rumble.com/v6yhtpa-interpleader-helps-everyone-potential-claimant-to-insurance-proceeds.html and at https://youtu.be/RDkFN1ODxvc In Metropolitan Life Insurance Company v. Selena Sanchez, et al, No. 2:24-cv-03278-TLN-CSK, United States District Court, E.D. California (September 3, 2025) the USDC applied interpleader law. Case Overview This case involves an interpleader action brought by … Read more

Post 5185 See the full video at https://rumble.com/v6ynq6y-the-dishonest-chiropractorphysician.html and at https://youtu.be/RM8tRiKpGnA This is a Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is designed to help to Understand How Insurance Fraud in America is Costing … Read more

Stormwater Alone—Even Uncontaminated—Constitutes a Pollutant Post 5186 See the full video at https://rumble.com/v6ynu3q-pollution-exclusion-eliminates-coverage.html  and at https://youtu.be/sCdw1tGtwcE In Auto-Owners Insurance Company v. Tabby Place Homeowners Association, Inc., et al., Civil Action No. 4:21-cv-346, United States District Court, S.D. Georgia (September 3, 2025) found no coverage. The decision of the USDC presents a detailed judicial opinion on … Read more

Post 5187 See the full video at  https://rumble.com/v6yoz9y-insurer-liable-but-only-for-1-damages.html  and at https://youtu.be/OaX51GsfLcg In Malcolm Wiener v. AXA Equitable Life Insurance Company, No. 24-1316, United States Court of Appeals, Fourth Circuit (September 3, 2025) the Fourth Circuit’s opinion addressed the sufficiency of evidence for a jury’s damages award in a negligence case involving AXA Equitable Life Insurance and … Read more

Post 5188 See the full video at  https://rumble.com/v6ysjb0-appraisal-compelled-and-suit-held-in-abeyance.html   and at https://youtu.be/je9j4ia7tAs Appraisal Clauses Provide A Less Expensive, More Efficient Alternative To Litigation For Resolving Insurance-Claim Disputes In Rockbrook Place Townhomes Association, Inc. v. Lio Insurance Company, CIVIL No. 4:24-CV-1021-SDJ, United States District Court, E.D. Texas, Sherman Division (September 3, 2025) the USDC compels appraisal and … Read more