Just Published – Zalma on Insurance Part 101 – Third Edition
Barry Zalma, Esq., CFE
Insurance claims expert, consultant at Barry Zalma, Inc. and author/Publisher at ClaimSchool, Inc.
Posted on May 26, 2021 by Barry Zalma
Available from Amazon.com as a Kindle Book, Paperback and Hardcover
I have updated, edited to make it easier to read, the Third Edition of first book in my ten part treatise, Zalma on Insurance Claims.
? 2021 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 52 years in the insurance business. He is available at https://www.zalma.com and [email protected].
Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.
Over the last 53 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals.
Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts; and the last two issues of ZIFL at https://zalma.com/zalmas-insurance-fraud-letter-2/ podcast now available at https://podcasts.apple.com/us/podcast/zalma-on-insurance/id1509583809?uo=4
The Table of Contents follows:
Introduction
This is the first part in the Zalma On Insurance Claims Part 101 – Third Edition, a series of books that is the latest addition to Barry Zalma’s insurance claims series of books and articles that form the most thorough, up-to-date, expert-authored insurance claims guide available today.
Written by nationally-renowned insurance coverage expert Barry Zalma, a retired from the practice of law, insurance coverage attorney, consultant, expert witness, blogger, and video blogger. The ten volumes of Zalma on Insurance Claims, provides in-depth explanations, analysis, examples, and discussion of:
- Property insurance claims;
- Third-party liability claims;
- Casualty claims; and
- Insurance Claims Fraud
Thorough, yet practical, this series of books form the ideal guide for any professional who works in, or frequently interacts with, the insurance industry as a claims adjuster, claims supervisor, claims manager, claims management, claims lawyers, defense lawyers and coverage lawyers who represent insurers or policyholders.
Claims professionals, risk managers, producers, underwriters, attorneys (both plaintiff and defense), and business owners will benefit greatly from the ten volume guide. It is also the perfect resource for insurance educators, trainers, and students whose role requires an understanding of insurance law.
As you read through the various volumes of Zalma on Insurance Claims, you will find comprehensive—yet comprehensible—coverage of key topics, including:
- What is Insurance?
- The History of Insurance
- The covenant of good faith and fair dealing.
- The tort of Bad faith
- Conditions,
- Warranties,
- Exclusions
- Declaring a policy void
- Duties of insured and insurer
- Evaluation and settlement
- Identifying insurance fraud
- Investigation
- Kinds of insurance policies
- Other insurance clauses
- Preparing a case for trial
- Processing a claim
- Responses to fraud
- Subrogation and salvage
- Underwriting and
- Many more property and casualty insurance matters.
Table of Contents
Chapter 1 What Is Insurance?. 25
Property Insurance. 26
The Contract Of Personal Indemnity. 27
Insurable Interest 29
Liability Insurance. 31
Differences Between Property And Liability Policies 33
Chapter 2 The History Of Insurance. 37
The Availability Of File Materials Not Held By The Underwriters 45
Chapter 3 Acquisition Of The Policy. 61
By Meeting With An Agent Of The Insurer 61
By Dealing With A Broker 61
Through A Direct Writer. 62
The Underwriter 63
The Loss Prevention Engineer 63
The Pre-Risk Inspection Service. 66
After Insurance Is In Effect 66
The Claim.. 67
Experts And Consultants To Assist The Claims Investigation. 68
Chapter 4 Claims Personnel 74
The First Party Property Adjuster 74
The Third Party Liability Adjuster 75
The Special Investigative Unit Investigator 76
The Claims Supervisor Or Claims Manager 77
Claims Counsel 77
Chapter 5 Kinds Of Insurance Policies. 82
Introduction. 82
Differences Between Property And Liability Policies 88
Rules Of Contract Interpretation. 90
Contract Interpretation And The Reasonable Expectations Of The Insured. 99
The Reasonable Expectations Test 107
The Pollution Exclusion. 116
Total Pollution Exclusion. 120
Chapter 6 Valued And Open Property Policies. 132
Valued Policies 132
The Open Policy. 135
Chapter 7 Reading And Understanding An Insurance Policy. 139
The Declarations Page. 139
The Policy Limitations 139
The Perils Insured Against 140
The All Risk Of Physical Loss Policy. 141
What Is A “Direct Physical Loss?”. 143
Defining “Risk” And “Cause”. 148
The Direct Risk Of Physical Loss Policy. 151
Collapse. 152
The Jeweler’s Block Policy. 156
The Homeowner’s Policy. 162
Coinsurance Or Average. 167
Specific Or Blanket Coverage. 172
Reporting Endorsements. 174
Chapter 8 The Rights Of Mortgagees And Mortgagors. 178
The Union Or Standard Mortgage Clause. 178
Force-Placed Insurance 190
Forced Placed Insurance Only Protects The Lender 192
Insurable Interest 201
Chapter 9 Business Interruption. 210
Chapter 10 The Liability Policy. 214
Casualty Insurance 214
Liability Insurance. 221
Chapter 11 Torts & Insurance. 224
Contracts. 228
Statutes. 230
Types Of Liability Insurance 231
Liability Policy Format 234
Chapter 12 The Commercial General Liability Policy. 251
The Claims Made And Reported Form.. 261
Duty To Defend. 267
Patent Infringement Coverage. 267
Copyright Infringement Coverage. 275
Trademark Infringement Coverage. 277
Contribution Between Joint Insurers 281
Triggers Of Coverage. 285
Coverage. 294
Changes In Coverages 295
The “Montrose” Exclusion. 313
Claims Made Provisions 315
Notice-Prejudice Rule Does Not Apply To Claims Made & Reported Policy In Kentucky 316
The Right To Equitable Subrogation. 336
Chapter 13 The Certificate Of Insurance. 371
Certificate Of Insurance Provides No Coverage Actual Policy Wording Controls 374
Appendix 1 California Standard Form Fire Insurance Policy. 377
Appendix 2 Form 438 BFU.. 382
About The Author 384
? 2021 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 52 years in the insurance business. He is available at https://www.zalma.com and [email protected].
Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.
Over the last 53 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals.
Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts; and the last two issues of ZIFL at https://zalma.com/zalmas-insurance-fraud-letter-2/ podcast now available at https://podcasts.apple.com/us/podcast/zalma-on-insurance/id1509583809?uo=4