The Story That Wrote Itself Video Number 51
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and at https://zalma.com/blog plus more than 4150 posts.
Posted on April 8, 2022 by Barry Zalma
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Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud.
On February 27, 1995 the District Attorney filed the following In the Superior Court of the State of California for the County of San Diego that writes this chapter for me. The District Attorney stated, as part of the criminal Information (the charge) as follows:
“COUNT — 1 CONSPIRACY TO COMMIT A CRIME “On or about December 10, 1991 JORGE NOREN HOLLAND did willfully and unlawfully conspire together and with another person (Armen Al Zennedjian) and persons whose identity is unknown to commit the crime of Arson of an Inhabited Structure or Inhabited Property, Penal Code § 451 (b), in violation of Penal Code Section 182 (a) (1).
“The object of the conspiracy was to set fire to and burn the house located at 3030 Shelby Drive, in the County of San Diego, which belonged to and was occupied by JORGE NOREN HOLLAND in an effort for JORGE NOREN HOLLAND to collect the insurance proceeds as a result of the fire “Thereafter, in the County of San Diego, State of California, pursuant to the above conspiracy and in furtherance of the objects thereof:
“OVERT ACT NO. (01): On or about December 10, 1991, at the house located at 3030 Shelby Drive, JORGE NOREN HOLLAND showed Armen Al Zennedjian where the house key to 3030 Shelby Drive was located.
“OVERT ACT NO. (02): ……entered the house with Armen Al Zennedjian.
“OVERT ACT NO. (03):…at the house HOLLAND showed …Zennedjian around the interior of the house.
“OVERT ACT NO. (04): On or about December 11, 1991, …Zennedjian telephoned …HOLLAND to inform him that …Zennedjian would go to the house …on December 12, 1991 to cause the house to catch fire and burn.
“OVERT ACT NO. (05): On or about December 11, 1991, …HOLLAND had a telephone conversation with …Zennedjian about …Zennedjian going to the house …on December 12, 1991 to cause the house to catch fire and burn.
“OVERT ACT NO. (06): On or about December 12, 1991, at his residence in the City of El Cajon, …Zennedjian obtained gasoline cans which he placed into his pickup truck.
“OVERT ACT NO. (07): On or about December 12, 1991, at a gas station near his residence in the City of El Cajon, …Zennedjian purchased gasoline, and filled the gas cans that he had obtained from his residence with the gasoline.
“OVERT ACT NO. (08): On or about December 12, 1991, …Zennedjian drove his pickup truck from the gas station near his residence in the City of El Cajon with the gas cans filled with gasoline to the house located at 3030 Shelby Drive.
“OVERT ACT NO. (09): On or about December 12, 1991, at 3030 Shelby Drive, …Zennedjian obtained the house key shown to him by …HOLLAND at the house…
“OVERT ACT NO. (10): On or about December 12, 1991, …Zennedjian used the house key shown to him by …HOLLAND to unlock the door to the house…
“OVERT ACT NO. (11): On or about December 12, 1991, …Zennedjian entered the house at 3030 Shelby Drive. “OVERT ACT NO. (12): On or about December 12, 1991, …Zennedjian while inside the house
…opened the sliding glass porch door and exited the house…
“OVERT ACT NO. (13): …Zennedjian reentered the house … and carried the gas cans filled with gasoline that he had brought with him, into the house…
“COUNT — 2 ARSON OF AN INHABITED STRUCTURE OR PROPERTY “On or about December 12, 1991 JORGE NOREN HOLLAND did willfully, unlawfully, and maliciously set fire to and burn and cause to be burned an inhabited structure and inhabited property, in violation of PENAL CODE SECTION 451(b). “And, it is further alleged that in the commission and attempted commission of the above offense, the said defendant, JORGE NOREN HOLLAND did take, damage, and destroy property, with the intent to cause such taking, damage, and destruction, and the loss exceeds one hundred thousand dollars ($100,000), within the meaning of Penal Code section 12022.6(b).
“COUNT — 3 FALSE OR FRAUDULENT INSURANCE CLAIM “On or about March 27, 1992 JORGE NOREN HOLLAND did knowingly and unlawfully present or cause to be presented a false or fraudulent claim for the payment of loss under a contract of insurance, in violation of INSURANCE CODE SECTION 1871.1.” The only oddity about the Information quoted above is its rarity. Those of us involved with the Insurance industry should cheer the actions of the San Diego District Attorney and the insurers who refused to pay to avoid litigation with the two individuals alleged by the Information to have committed the crimes of arson and insurance fraud.
Mr. Holland Pleaded guilty to insurance fraud and was sentenced to make restitution to the insurance company and placed on probation. He, in fact made full restitution to the insurance company to avoid immediate incarceration and a copy of that check is hanging on my office wall.
Zalma Opinion
American States Insurance Company (the victim) and its investigator Steve Thompson should be honored for its efforts to defeat this fraud and help the state of California to bring the arsonist to justice.
(c) 2022 Barry Zalma & ClaimSchool, Inc.
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 practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. He is available at http://www.zalma.com and [email protected].
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Interpleader Protects All Claimants Against Life Policy and the Insurer
Who’s on First to Get Life Insurance Proceeds
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See the full video at https://lnkd.in/gyxQfnUz and at https://lnkd.in/gAd3wqWP, and at https://zalma.com/blog plus more than 5150 posts.
Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://lnkd.in/gRthzSnT; Go to Barry Zalma on YouTube- https://lnkd.in/g2hGv88; Go to the Insurance Claims Library – https://lnkd.in/gwEYk.
Interpleader Protects All Claimants Against Life Policy and the Insurer
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 the Metropolitan Life Insurance Company (Plaintiff-in-Interpleader) against Selena Sanchez and other defendants (Defendants-in-Interpleader).
Key Points
Plaintiff-in-Interpleader’s Application:
The Plaintiff-in-Interpleader...
A Claim by Any Other Name is not a Claim
Post 5182
It is Imperative that Insured Report Potential Claim to Insurers
Read the full article at https://lnkd.in/gfbwAsxw, See the full video at https://lnkd.in/gea_hgB3 and at https://lnkd.in/ghZ7gjxy, and at https://zalma.com/blog plus more than 5150 posts.
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. 24-12441, United States Court of Appeals, Eleventh Circuit (August 25, 2025) the court explained the need for a claim to obtain coverage.
Case Background:
This appeal arises from a coverage dispute under a Directors & Officers (D&O) insurance policy. Jeffrey B. Scott, the plaintiff-appellant, was terminated from his role as CEO, President, and Secretary of Gemini Financial Holdings, LLC in October 2019. Following his termination, Scott threatened legal action against Gemini, and ...
A Claim by Any Other Name is not a Claim
Post 5182
It is Imperative that Insured Report Potential Claim to Insurers
Read the full article at https://lnkd.in/gfbwAsxw, See the full video at https://lnkd.in/gea_hgB3 and at https://lnkd.in/ghZ7gjxy, and at https://zalma.com/blog plus more than 5150 posts.
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. 24-12441, United States Court of Appeals, Eleventh Circuit (August 25, 2025) the court explained the need for a claim to obtain coverage.
Case Background:
This appeal arises from a coverage dispute under a Directors & Officers (D&O) insurance policy. Jeffrey B. Scott, the plaintiff-appellant, was terminated from his role as CEO, President, and Secretary of Gemini Financial Holdings, LLC in October 2019. Following his termination, Scott threatened legal action against Gemini, and ...
Barry Zalma: Insurance Claims Expert Witness
Posted on September 3, 2025 by Barry Zalma
The Need for a Claims Handling Expert to Defend or Prove a Tort of Bad Faith Suit
© 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 Fund American Insurance Company. For five years, while attending law school at night while working full time as an insurance adjuster I became familiar with every aspect of the commercial insurance industry.
On January 2, 1972 I was admitted to the California Bar. I practiced law, specializing in insurance claims, insurance coverage and defense of claims against people insured and defense of insurance companies sued for breach of contract and breach of the implied covenant of good faith and fair dealing. After 45 years as an active lawyer, I asked that my license to practice law be declared inactive ...
The Need for a Claims Handling Expert to Defend or Prove a Tort of Bad Faith Suit
© 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 Fund American Insurance Company. For five years, while attending law school at night while working full time as an insurance adjuster I became familiar with every aspect of the commercial insurance industry.
On January 2, 1972 I was admitted to the California Bar. I practiced law, specializing in insurance claims, insurance coverage and defense of claims against people insured and defense of insurance companies sued for breach of contract and breach of the implied covenant of good faith and fair dealing. After 45 years as an active lawyer, I asked that my license to practice law be declared inactive and became a consultant and expert witness for lawyers representing insurers and lawyers ...
APPRAISAL AWARD SETS AMOUNT OF DAMAGES RECOVERED FROM INSURER
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It’s a Waste of Time to Sue Your Insurer if You Don’t Have Evidence
Evidence Required to Prove Breach of Contract
Read the full article at https://www.linkedin.com/pulse/evidence-required-prove-breach-contract-barry-zalma-esq-cfe-rfelc, see the full video at https://rumble.com/v6yd2z0-evidence-required-to-prove-breach-of-contract.html and at https://youtu.be/2ywEjs3hZsw, and at https://zalma.com/blog plus more than 5150 posts.
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 claim under their homeowner’s insurance policy with Homeowners of ...
