Insurers Must Thank & Educate its Personnel
Barry Zalma
Read the full article at https://lnkd.in/gUfxWBhU and see the full video at https://lnkd.in/grkiGZ8G and at https://lnkd.in/gP6wEKbF and at https://zalma.com/blog plus more than 4300 posts.
The insurance industry has been less than effective in training its personnel. Their employees, whether in claims, underwriting or sales, are hungry for education and training to improve their work in the industry.
Insurers without sufficient personnel to make a classroom training program practical have available options. If the insurer desires to honor its employees who wish to improve their knowledge and skills can do so inexpensively by adding to each employee’s library a complete insurance library by internationally recognized insurance coverage, claims handling, fraud, and insurance law expert and author, Barry Zalma, Esq., CFE.
If funds are not available for training vendors can be willing to assist. Although vendors are usually prohibited from making gifts to the insurer’s employees they may agree to donations to the insurer of educational materials that will help the employees improve their abilities for acknowledgement of the presentation.
Every insurer, insurance syndicate, insurance brokerage, insurance sales agency, insurer branch office, and vendors to the insurance industry should add to the libraries of their various offices or employees.
To add to the professionalism of the staff of insurance professionals, the insurer should make available to each the following books that are available at reasonable prices from amazon.com, the American Bar Association, Thomson Reuters, or Full Court Press, written by Barry Zalma. Details about each book are available at Barry Zalma’s Insurance Claims Library at https://zalma.com/blog/insurance-claims-library/:
The Compact Book on Ethics for the Insurance Professional
The Compact Book of Adjusting Property Insurance Claims – Third Edition
The Compact Book of Adjusting Liability Claims – Third Edition
How to Acquire, Understand, and Make a Successful Claim on a Commercial Property Insurance Policy
The Tort of Bad Faith
The Equitable Remedy of Rescission
Insurance Fraudsters Deserve No Quarter
The Examination Under Oath to Resolve Insurance Claims
Insurance Fraud – Volume I and Volume II
Construction Defects and Insurance Second Edition (8 volumes)
Insurance Fraud Costs Everyone
California SIU Regulations 2020
California Fair Claims Settlement Practices Regulations 2022
Zalma’s Mold & Fungi Handbook
Zalma on Insurance Claims – Third Edition (ten volumes)
Mold Claims (two volumes)
Several True Insurance Crimes Novels and Novellas
From the American Bar Association
Getting the Whole Truth: Interviewing Techniques for the Lawyer
The Commercial Property Insurance Policy Deskbook
The Insurance Fraud Deskbook
Diminution in Value Damages
From Full Court Press
The Insurance Law Deskbook
California Insurance Law Deskbook
Zalma on Property and Casualty Insurance
Insurance Bad Faith and Punitive Damages Deskbook
From Thomson Reuters
Property Investigation Checklists Uncovering Insurance Fraud, 13th Edition
Details about each book available at the Insurance Claims Library at https://zalma.com/blog/insurance-claims-library/
Free Resources
In addition you should make available the following free services: the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Mr. Zalma is on Twitter at https://twitter.com/bzalma; Barry Zalma videos are available at Rumble.com at https://rumble.com/c/c-262921; Barry Zalma videos on YouTube- at https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts and GTTR at https://gettr.com/@zalma; the podcast Zalma On Insurance at https://anchor.fm/barry-zalma.
Subscription Services
You can subscribe, for only $5 a month or $50 a year, to special videos from “Zalma on Insurance” at https://zalmaoninsurance.locals.com/subscribe; and “Excellence in Claims Handling” at https://barryzalma.substack.com/welcome.
On Line Training
Mr. Zalma, for a fee, will prepare a full Excellence in Claims or Excellence in Insurance training program. If interested in a specialized, directed to your needs alone training program, contact Mr. Zalma at [email protected] or 310-390-4455.
No Right to Subrogation Against Tenant
Post 5231
Not Fair to Require Tenant to Pay for Damage Insured by LandlordSee the video at https://lnkd.in/gFkrp_6M and at https://lnkd.in/gQdFQBWj and at https://zalma.com/blog plus more than 5200 posts.
See the video at and at
For Insurer to Subrogate Lease Must Require Tenant to Obtain Insurance for the Benefit of the Landlord
In AmGUARD Insurance Co. v. Tyrone Ellis and Shakyra Ellis, U.S. District Court, District of Connecticut Civil No. 3:25-cv-946 (JCH) (November 19, 2025), Judge, Janet C. Hall the defendant’s Motion to Dismiss the Amended Complaint on the basis of Connecticut’s anti-subrogation doctrine required dismissal.
KEY FACTS
Landlord Michael Caldwell, a Connecticut citizen, owned a multi-family building in Windsor, Connecticut. Defendants Tyrone and Shakyra Ellis were residential tenants in the building. On or about March 1, 2025, a fire ...
Debt Resulting from Fraud is Not Dischargeable in Bankruptcy
Post 5230
Read the full article at https://lnkd.in/gpF3y7Vd, see the video at https://lnkd.in/gR5cVcbY and at https://lnkd.in/gch6Q4_V, and at https://zalma.com/blog plus more than 5200 posts.
Knowing Misappropriation and Conversion of Funds is Fraud
In re Matthew Jene Tubbs (Bankr. N.D. Tex., Fort Worth Div., No. 22-42728-MXM-7; Adv. No. 23-04019-mxm), October 15, 2025 .
Key Facts
Plaintiffs (Robles) and Defendant (Tubbs) met through their church; both held leadership roles. In Feb 2021 Robles home suffered major water damage from Winter Storm Uri and insurance paid $173,000.
In the Fall of 2021: Tubbs represented to Mr. Robles that he personally built a newer house and large barn on his parents’ property “with his own hands” (except foundation/insulation). That he had 10 years’ experience overseeing window/door installations at a major home-improvement chain, was a licensed contractor (false) and carried general contractor liability insurance.
Relying on ...
See full video at https://lnkd.in/gtnsH3SW and at https://lnkd.in/geJ4FseF, and at https://zalma.com/ and at https://lnkd.in/gC2wmzqZ.
ZIFL-Volume 29 Number 22
THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL
Post 5228
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 year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/
Read the full 20 page issue of ZIFL at http://zalma.com/blog/wp-content/uploads/2025/11/ZIFL-11-15-2025-1.pdf
Man Bites Dog Story – Hertz Sues Alleged Fraudsters
Hertz Successfully Refuses to Pay Alleged Fraudulent Health Care Providers
Proactive Victim of Fraud Defeats Health Care Providers
More McClenny Moseley & Associates Issues
This is ZIFL’s thirty eighth installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be ...
The Professional Claims Handler
Post 5219
Posted on October 31, 2025 by Barry Zalma
An Insurance claims professionals should be a person who:
Can read and understand the insurance policies issued by the insurer.
Understands the promises made by the policy.
Understand their obligation, as an insurer’s claims staff, to fulfill the promises made.
Are competent investigators.
Have empathy and recognize the difference between empathy and sympathy.
Understand medicine relating to traumatic injuries and are sufficiently versed in tort law to deal with lawyers as equals.
Understand how to repair damage to real and personal property and the value of the repairs or the property.
Understand how to negotiate a fair and reasonable settlement with the insured that is fair and reasonable to both the insured and the insurer.
How to Create Claims Professionals
To avoid fraudulent claims, claims of breach of contract, bad faith, punitive damages, unresolved losses, and to make a profit, insurers ...
The History Behind the Creation of a Claims Handling Expert
The Insurance Industry Needs to Implement Excellence in Claims Handling or Fail
Post 5210
This is a change from my normal blog postings. It is my attempt. in more than one post, to explain the need for professional claims representatives who comply with the basic custom and practice of the insurance industry. This statement of my philosophy on claims handling starts with my history as a claims adjuster, insurance defense and coverage lawyer and insurance claims handling expert.
My Training to be an Insurance Claims Adjuster
When I was discharged from the US Army in 1967 I was hired as an insurance adjuster trainee by a professional and well respected insurance company. The insurer took a chance on me because I had been an Army Intelligence Investigator for my three years in the military and could use that training and experience to be a basis to become a professional insurance adjuster.
I was initially sat at a desk reading a text-book on insurance ...
The History Behind the Creation of a Claims Handling Expert
The Insurance Industry Needs to Implement Excellence in Claims Handling or Fail
Post 5210
This is a change from my normal blog postings. It is my attempt. in more than one post, to explain the need for professional claims representatives who comply with the basic custom and practice of the insurance industry. This statement of my philosophy on claims handling starts with my history as a claims adjuster, insurance defense and coverage lawyer and insurance claims handling expert.
My Training to be an Insurance Claims Adjuster
When I was discharged from the US Army in 1967 I was hired as an insurance adjuster trainee by a professional and well respected insurance company. The insurer took a chance on me because I had been an Army Intelligence Investigator for my three years in the military and could use that training and experience to be a basis to become a professional insurance adjuster.
I was initially sat at a desk reading a text-book on insurance ...
