• Corey Feldman Reacts to the Diddy Arrest — These People are Disgusting and I’m Grateful Justice is being Served… Children need to be Protected
    He said he was too old to be invited to Diddy’s Parties when asked… meaning not young enough for Diddy’s taste.
    https://rumble.com/v609rq2-corey-feldman-reacts-to-the-diddy-arrest-children-need-to-be-protected-.html
    Corey Feldman Reacts to the Diddy Arrest — These People are Disgusting and I’m Grateful Justice is being Served… Children need to be Protected 🙌 He said he was too old to be invited to Diddy’s Parties when asked… meaning not young enough for Diddy’s taste. https://rumble.com/v609rq2-corey-feldman-reacts-to-the-diddy-arrest-children-need-to-be-protected-.html
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  • https://medforth.biz/tis-the-season-for-knife-checks-german-police-confiscates-pocket-knife-from-elderly-women-at-christmas-market-in-viral-video/
    https://medforth.biz/tis-the-season-for-knife-checks-german-police-confiscates-pocket-knife-from-elderly-women-at-christmas-market-in-viral-video/
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  • Madden NFL 25: 4 Best Aggregation Captains For Ultimate Team

    After FIFA, The Madden Alternation May Accept to Face The Reaper Eventually or Later

    Highlights EA is alteration the name of the FIFA authorization to EA Sports FC, a move that may announce approaching changes for the Madden authorization as well. The blow of the FIFA authorization has aloft apropos amid admirers about abeyant blow of added licenses, although the NFL authorization seems defended for now. Controversies surrounding Madden's microtransactions and bugs accept fueled criticism, potentially arch to a baking point of depression and antagonism in the football gaming market. MMOexp VIDEO OF THE DAYSCROLL TO CONTINUE WITH CONTENT

    Besides Battlefield and The Sims, EA's endless sports titles are allegedly one of its bigger properties. Every audible year, millions of players army to the latest FIFA or Madden appellation to acquaintance accumulated that the new assay will bring. While these anniversary releases accept been acutely controversial, there seems to be no slowing bottomward these massive franchises. At atomic there did not accept to be, but contempo contest may advance otherwise.

    EA will acceptable never stop authoritative sports amateur as they cull in endless amounts of money. However, that does not beggarly the franchises will not acutely change over the abutting brace of years. Already, the flat is abode the FIFA name in favor of EA Sports FC, and that aloft affair may arise to Madden one day. While it will acceptable not arise tomorrow, Madden as players apperceive it may consistently change eventually than they realize.

    F1 Administrator 2023 Provides the Absolute Blueprint for Madden To Apprentice From

    Madden May Chase in FIFA's Footsteps
    Last year, FIFA admirers were afraid to apprentice that EA was acutely bottomward the name from its accustomed soccer series. The two brands had been alive with anniversary added for about 30 years, but they were clumsy to accede on new terms. Apparently, FIFA capital $1 billion from EA for its name while the video bold flat additionally capital to aggrandize its monetization practices aural the authorization itself, which FIFA's restrictions did not allow. So, they beggared ways, acutely alteration the approaching of EA Sports forever.

    While EA will still aftermath soccer amateur with accumulated players accept arise to apprehend over the years, it will not be application the FIFA branding anymore. Instead, it is now actuality alleged EA Sports FC, and will acceptable be that for years to come. Because of this, the flat was additionally affected to delist 10 FIFA titles from agenda storefronts, which bureau that players allegation to accept already endemic a archetype if they appetite admission to some of these iconic sports titles. Maybe the two brands will be able to arise to new acceding eventually, but that may not be for a while.

    At the aloft time, EA and the NFL renewed their authorization acceding aftermost year so that the flat can abide to achieve Madden amateur for the abutting brace of years. However, with the blow of the FIFA license, some admirers accept amorphous to catechism if EA will lose added licenses as well. While it does not accept like it will be blow the NFL authorization anytime soon, no one absolutely accustomed it to lose FIFA either, so annihilation seems to be accessible adapted now.

    Madden admirers accept become added analytical of the authorization over the years, and these anniversary releases accept resulted in a authorization ashore in its ways. It may still achieve a lot of money acknowledgment to its abounding microtransactions, however, that does not achieve it invincible. Over the accomplished brace of years, the authorization has garnered a lot of altercation over its Ultimate Aggregation packs and its buggy nature. Some countries accept akin approved to allocate it as actionable gambling, with countries in the European Union arch the charge. And while annihilation will acceptable change for a while, there is a adventitious that all of this altercation begins to abscess over ancient soon.

    For now, EA and the NFL accept to accept an accomplished alive relationship. However, aback FIFA seems to accept beggared bureau with the studio, there is a adventitious the NFL will do that one day too. While the flat will allegedly still agitate out football games, it may not be beneath the Madden name forever. If anything, EA Sports may eventually not be the abandoned football bold developer out there, which could advance to some advantageous competition.
    As always, MMOexp.com offers you a safe and cheap Madden 25 Coins service.
    Madden NFL 25: 4 Best Aggregation Captains For Ultimate Team After FIFA, The Madden Alternation May Accept to Face The Reaper Eventually or Later Highlights EA is alteration the name of the FIFA authorization to EA Sports FC, a move that may announce approaching changes for the Madden authorization as well. The blow of the FIFA authorization has aloft apropos amid admirers about abeyant blow of added licenses, although the NFL authorization seems defended for now. Controversies surrounding Madden's microtransactions and bugs accept fueled criticism, potentially arch to a baking point of depression and antagonism in the football gaming market. MMOexp VIDEO OF THE DAYSCROLL TO CONTINUE WITH CONTENT Besides Battlefield and The Sims, EA's endless sports titles are allegedly one of its bigger properties. Every audible year, millions of players army to the latest FIFA or Madden appellation to acquaintance accumulated that the new assay will bring. While these anniversary releases accept been acutely controversial, there seems to be no slowing bottomward these massive franchises. At atomic there did not accept to be, but contempo contest may advance otherwise. EA will acceptable never stop authoritative sports amateur as they cull in endless amounts of money. However, that does not beggarly the franchises will not acutely change over the abutting brace of years. Already, the flat is abode the FIFA name in favor of EA Sports FC, and that aloft affair may arise to Madden one day. While it will acceptable not arise tomorrow, Madden as players apperceive it may consistently change eventually than they realize. F1 Administrator 2023 Provides the Absolute Blueprint for Madden To Apprentice From Madden May Chase in FIFA's Footsteps Last year, FIFA admirers were afraid to apprentice that EA was acutely bottomward the name from its accustomed soccer series. The two brands had been alive with anniversary added for about 30 years, but they were clumsy to accede on new terms. Apparently, FIFA capital $1 billion from EA for its name while the video bold flat additionally capital to aggrandize its monetization practices aural the authorization itself, which FIFA's restrictions did not allow. So, they beggared ways, acutely alteration the approaching of EA Sports forever. While EA will still aftermath soccer amateur with accumulated players accept arise to apprehend over the years, it will not be application the FIFA branding anymore. Instead, it is now actuality alleged EA Sports FC, and will acceptable be that for years to come. Because of this, the flat was additionally affected to delist 10 FIFA titles from agenda storefronts, which bureau that players allegation to accept already endemic a archetype if they appetite admission to some of these iconic sports titles. Maybe the two brands will be able to arise to new acceding eventually, but that may not be for a while. At the aloft time, EA and the NFL renewed their authorization acceding aftermost year so that the flat can abide to achieve Madden amateur for the abutting brace of years. However, with the blow of the FIFA license, some admirers accept amorphous to catechism if EA will lose added licenses as well. While it does not accept like it will be blow the NFL authorization anytime soon, no one absolutely accustomed it to lose FIFA either, so annihilation seems to be accessible adapted now. Madden admirers accept become added analytical of the authorization over the years, and these anniversary releases accept resulted in a authorization ashore in its ways. It may still achieve a lot of money acknowledgment to its abounding microtransactions, however, that does not achieve it invincible. Over the accomplished brace of years, the authorization has garnered a lot of altercation over its Ultimate Aggregation packs and its buggy nature. Some countries accept akin approved to allocate it as actionable gambling, with countries in the European Union arch the charge. And while annihilation will acceptable change for a while, there is a adventitious that all of this altercation begins to abscess over ancient soon. For now, EA and the NFL accept to accept an accomplished alive relationship. However, aback FIFA seems to accept beggared bureau with the studio, there is a adventitious the NFL will do that one day too. While the flat will allegedly still agitate out football games, it may not be beneath the Madden name forever. If anything, EA Sports may eventually not be the abandoned football bold developer out there, which could advance to some advantageous competition. As always, MMOexp.com offers you a safe and cheap Madden 25 Coins service.
    0 Comments 0 Shares 359 Views
  • Radioactive Material Missing in New Jersey
    The U.S. Nuclear Regulatory Commission (NRC) has officially issued an urgent notification: radioactive material described as “less than Category 3” but possibly shielded Category 4 has been lost in transit. This is not a drill, and it is not something that can be ignored. The shocking revelation came after a report submitted to the New Jersey Department of Environmental Protection (NJDEP) detailed the incident.
    https://amg-news.com/radioactive-material-missing-in-new-jersey-urgent-alert-from-u-s-nuclear-regulatory-commission/
    Radioactive Material Missing in New Jersey The U.S. Nuclear Regulatory Commission (NRC) has officially issued an urgent notification: radioactive material described as “less than Category 3” but possibly shielded Category 4 has been lost in transit. This is not a drill, and it is not something that can be ignored. The shocking revelation came after a report submitted to the New Jersey Department of Environmental Protection (NJDEP) detailed the incident. https://amg-news.com/radioactive-material-missing-in-new-jersey-urgent-alert-from-u-s-nuclear-regulatory-commission/
    0 Comments 0 Shares 109 Views
  • OpenAI programmer and whistleblower found dead in a San Francisco apartment, (California), after Information he held was expected to play a key part in lawsuits against the San Francisco-based company. ChatGPT, after years of great aspirations, is now a generative artificial intelligence program that has become a moneymaking sensation used by hundreds of millions of people across the world including reporters, journalists, and also big editorials.
    OpenAI programmer and whistleblower found dead in a San Francisco apartment, (California), after Information he held was expected to play a key part in lawsuits against the San Francisco-based company. ChatGPT, after years of great aspirations, is now a generative artificial intelligence program that has become a moneymaking sensation used by hundreds of millions of people across the world including reporters, journalists, and also big editorials.
    0 Comments 0 Shares 160 Views
  • https://medforth.biz/vatican-employee-says-gay-lobby-wields-enormous-influence-over-pope-francis/
    https://medforth.biz/vatican-employee-says-gay-lobby-wields-enormous-influence-over-pope-francis/
    0 Comments 0 Shares 112 Views
  • US PROMOTES FREE SPEECH ABROAD WHILE USING NGOS TO CENSOR INFORMATION AT HOME.

    #Trump and every other political #Parasite are lying sacks of feces!

    They WANT Censorship in violation of the Constitution!

    Not Trump SAYS he wants Free Speech...
    Right up until you speak #Truth about a #Jew!

    THEN he wants you sent to PRISON!
    Because HE is a Jew!

    And on top of that, he wants our #Criminal filled #Police Departments to be MORE "ABOVE THE LAW" than they already are!

    Bullshit!
    Police have no more rights than ANY other American!
    And it is time to toss "Qualified Immunity" AND time to ENFORCE
    FEDERAL LAW... Namely TITLE 18 U.S.C. § 241 & 18 U.S.C. § 242!

    These are laws on the books to hold government accountable!
    PROSECUTORS are criminal and complicit, so THE PEOPLE need to convene a grand jury THEMSELVES and see that criminal Police are held accountable

    (Along with Prosecutors who fail to uphold these statutes)

    It's up to YOU to hold the criminals in government accountable!
    They are not going to do it themselves!

    https://old.bitchute.com/video/8KO9xuqOkxDu/
    US PROMOTES FREE SPEECH ABROAD WHILE USING NGOS TO CENSOR INFORMATION AT HOME. #Trump and every other political #Parasite are lying sacks of feces! They WANT Censorship in violation of the Constitution! Not Trump SAYS he wants Free Speech... Right up until you speak #Truth about a #Jew! THEN he wants you sent to PRISON! Because HE is a Jew! And on top of that, he wants our #Criminal filled #Police Departments to be MORE "ABOVE THE LAW" than they already are! Bullshit! Police have no more rights than ANY other American! And it is time to toss "Qualified Immunity" AND time to ENFORCE FEDERAL LAW... Namely TITLE 18 U.S.C. § 241 & 18 U.S.C. § 242! These are laws on the books to hold government accountable! PROSECUTORS are criminal and complicit, so THE PEOPLE need to convene a grand jury THEMSELVES and see that criminal Police are held accountable (Along with Prosecutors who fail to uphold these statutes) It's up to YOU to hold the criminals in government accountable! They are not going to do it themselves! https://old.bitchute.com/video/8KO9xuqOkxDu/
    OLD.BITCHUTE.COM
    US promotes free speech abroad while using NGOs to censor information at home.
    US promotes free speech abroad while using NGOs to censor information at home. on December 14th, 2024 The US State Department's Global Engagement Center, tasked with combating alleged disinformation, is facing shutdown after Republican lawmakers re…
    0 Comments 0 Shares 330 Views

  • A no-brainer for sure, the rating of 89 is that the Dutch monster is one of the top defenders in football. And his statistics on FC 25 reflect this. As imposing on the ground as anyone and his speed, strength and defensive posture ensure that every attack is ripped to pieces around him. Speed of 88 sprints and strong 92 make VVD an athletic freak with 90 interceptions. defensive awareness of 92 along with 92 standing tackle indicate VVD is an expert at reading the game and could walk into any team.

    Alongside Van Dijk at the back Van Dijk is joined by Joe Gomez. While boasting a lower score over Joel Matip, Gomez has an impressive pace, with an 85 sprint speed. This means that he's able to keep up with strikers who are fast and can track the deadly central runs. While he boasts average defensive statistics however, his speed alone can get him in the team ahead of Matip who is too slow to play in such a fast-paced game such as FC 25.

    The final player to be defended the defense is Trent Alexander-Arnold. The 18-year-old Englishman is a master of passing and his 92 cross-field with 90 long passing statistics make it possible for him to pick massive long balls and score lots of assists. Although not the fastest fullback, with only a speed of 78. Trent makes up for the slowness in his overall ability and similar to Robertson to the opposite side his versatility and speed of thought as well as the speed of his attack highlight the efficiency of his game in the forward direction.

    In the midfield, starting off is a player that could easily be a center-back should it be needed. With defensive statistics such as the 88 interception rate and 86 defense awareness the Brazilian can break up attacks and guard the back line without difficulties. Physically, his stamina of 88 is essential as he'll be able to do a lot of work perform defensively. However, his strong passing also allows him to shoot balls forward and create attacks, and his high work rate defensively ensures he can return whenever needed.

    The next player to watch will be Jordan Henderson. He is rated 84 and has not having any stats that exceed 90. Henderson is missing a bit of the glitter that's been sprinkled over the players who are more flashy. However, if hardworking, solid and tough midfielder play is what you need Look at this player. With no real weaknesses in any area and a great fit for the box-to-box position and can link attack and defense superbly, and is sturdy and reliable midfield.

    Alongside Henderson and rounding out the midfield trio The other midfielder is Thiago. Thiago is a Spaniard is rated 86 in FC 25 that is composed of 90dribbling and 91 agility and 90 stability, making him a formidable player on the ball. While his strength is 59. which implies that he isn't able to win the physical fight but the ball is attached to his boot when moving, which means he is able to get out of the tightest of spaces. The other benefit is the five-star skills that make playing Thiago an absolute blast for those who enjoy to slam tricks and add a touch of spice to their build-up.

    The left wing of the team is a player who has moved to Bayern Munich in the real world. For those who love Liverpool In FC 25 he's still at Anfield and could be the first name to appear on the team's sheet. With four-star capabilities as well as a weak foot that is four stars and 91 speed, Mane is almost unplayable in wide areas. He's also able to slash over defenders with his raw speed or take them down with footwork. If he's on the field Mane's 86-percent finishing rate means he doesn't skimp on his lines and is able to assist teammates by cutting balls back and forth across the the goal.

    The other wing views the Egyptian the King Mo Salah as another easy option when playing alongside Liverpool. Like Mane the speed shooting, dribbling and shooting stats are top-quality and the moment the striker gets on his deadly left foot, it's almost certain to score. Similar to center-forwards, Salah's finishing ability is comparable to most attackers, and his 91 position means you'll always be on the receiving end of through balls or crosses and is ready to strike whatever is in the box.

    We also have the false nine or the deep-lying forward position. While Roberto Firmino has been a central figure in the Liverpool team of recent times however, the arrival of Diogo Jota has offered an outstanding option for the top position for the Anfield team. Alongside 85 dribbling and 85 finishing Jota's speed of 87 and five-star weak foot which allows him to join the team before Firmino. He's able to slash through long balls and get around the defenders, whether scoring himself or serving as the two top players on the wing.
    Best EA FC 25 Coins shop is MMOexp.com.
    A no-brainer for sure, the rating of 89 is that the Dutch monster is one of the top defenders in football. And his statistics on FC 25 reflect this. As imposing on the ground as anyone and his speed, strength and defensive posture ensure that every attack is ripped to pieces around him. Speed of 88 sprints and strong 92 make VVD an athletic freak with 90 interceptions. defensive awareness of 92 along with 92 standing tackle indicate VVD is an expert at reading the game and could walk into any team. Alongside Van Dijk at the back Van Dijk is joined by Joe Gomez. While boasting a lower score over Joel Matip, Gomez has an impressive pace, with an 85 sprint speed. This means that he's able to keep up with strikers who are fast and can track the deadly central runs. While he boasts average defensive statistics however, his speed alone can get him in the team ahead of Matip who is too slow to play in such a fast-paced game such as FC 25. The final player to be defended the defense is Trent Alexander-Arnold. The 18-year-old Englishman is a master of passing and his 92 cross-field with 90 long passing statistics make it possible for him to pick massive long balls and score lots of assists. Although not the fastest fullback, with only a speed of 78. Trent makes up for the slowness in his overall ability and similar to Robertson to the opposite side his versatility and speed of thought as well as the speed of his attack highlight the efficiency of his game in the forward direction. In the midfield, starting off is a player that could easily be a center-back should it be needed. With defensive statistics such as the 88 interception rate and 86 defense awareness the Brazilian can break up attacks and guard the back line without difficulties. Physically, his stamina of 88 is essential as he'll be able to do a lot of work perform defensively. However, his strong passing also allows him to shoot balls forward and create attacks, and his high work rate defensively ensures he can return whenever needed. The next player to watch will be Jordan Henderson. He is rated 84 and has not having any stats that exceed 90. Henderson is missing a bit of the glitter that's been sprinkled over the players who are more flashy. However, if hardworking, solid and tough midfielder play is what you need Look at this player. With no real weaknesses in any area and a great fit for the box-to-box position and can link attack and defense superbly, and is sturdy and reliable midfield. Alongside Henderson and rounding out the midfield trio The other midfielder is Thiago. Thiago is a Spaniard is rated 86 in FC 25 that is composed of 90dribbling and 91 agility and 90 stability, making him a formidable player on the ball. While his strength is 59. which implies that he isn't able to win the physical fight but the ball is attached to his boot when moving, which means he is able to get out of the tightest of spaces. The other benefit is the five-star skills that make playing Thiago an absolute blast for those who enjoy to slam tricks and add a touch of spice to their build-up. The left wing of the team is a player who has moved to Bayern Munich in the real world. For those who love Liverpool In FC 25 he's still at Anfield and could be the first name to appear on the team's sheet. With four-star capabilities as well as a weak foot that is four stars and 91 speed, Mane is almost unplayable in wide areas. He's also able to slash over defenders with his raw speed or take them down with footwork. If he's on the field Mane's 86-percent finishing rate means he doesn't skimp on his lines and is able to assist teammates by cutting balls back and forth across the the goal. The other wing views the Egyptian the King Mo Salah as another easy option when playing alongside Liverpool. Like Mane the speed shooting, dribbling and shooting stats are top-quality and the moment the striker gets on his deadly left foot, it's almost certain to score. Similar to center-forwards, Salah's finishing ability is comparable to most attackers, and his 91 position means you'll always be on the receiving end of through balls or crosses and is ready to strike whatever is in the box. We also have the false nine or the deep-lying forward position. While Roberto Firmino has been a central figure in the Liverpool team of recent times however, the arrival of Diogo Jota has offered an outstanding option for the top position for the Anfield team. Alongside 85 dribbling and 85 finishing Jota's speed of 87 and five-star weak foot which allows him to join the team before Firmino. He's able to slash through long balls and get around the defenders, whether scoring himself or serving as the two top players on the wing. Best EA FC 25 Coins shop is MMOexp.com.
    0 Comments 0 Shares 737 Views
  • https://medforth.biz/a-dortmund-court-has-acquitted-all-police-officers-involved-in-the-2022-fatal-shooting-of-a-knife-wielding-senegalese-teenager-citing-self-defense-sparking-public-outrage-among-the-german-political/
    https://medforth.biz/a-dortmund-court-has-acquitted-all-police-officers-involved-in-the-2022-fatal-shooting-of-a-knife-wielding-senegalese-teenager-citing-self-defense-sparking-public-outrage-among-the-german-political/
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  • Intent to Move is not a Residence

    Residence Premises Requires the Insured to Live in Residence

    Post 4944

    Read the full article at https://www.linkedin.com/pulse/intent-move-residence-barry-zalma-esq-cfe-qmlxc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts.

    In Paul Villalobos v. Clear Blue Insurance Company, No. 24-20125, United States Court of Appeals, Fifth Circuit (December 10, 2024) the the Fifth Circuit affirmed the district court’s dismissa of Plaintiff-Appellant Paul Villalobos’s breach of contract claim following a coverage dispute between himself and his insurer, Clear Blue Insurance Company, because he admitted he did not live in the insured premises.

    FACTS

    Villalobos is named on a Clear Blue homeowners’ policy, which provides coverage for property located at 7503 Muirwood Lane in Houston, Texas (the “Property”). The policy’s “Property Coverages” section states in pertinent part: “We cover . . . [t]he dwelling on the ‘residence premises’ shown in the Declarations.” The policy defines “residence premises,” also in pertinent part, as “[t]he one-family dwelling where you reside . . . on the inception date of the policy period shown in the Declarations.” The Declarations page lists Villalobos as the insured, his mailing address as the Property, and the inception date as September 21, 2021.

    In mid-November 2021, Villalobos reported to Clear Blue that wind and hail had damaged the Property’s roof earlier that month. Clear Blue denied coverage after Villalobos admitted he lived in Colorado and had never resided at the Property.

    Villalobos sued Clear Blue, alleging breach of contract, breach of the duty of good faith and fair dealing, violations of the Texas Deceptive Trade Practices Act and the Texas Insurance Code, fraud, and ongoing conspiracy to commit illegal acts.

    ANALYSIS

    During his deposition, Villalobos testified that he lived in Colorado for over nine years and did not reside at the Property when the Clear Blue policy went into effect. Clear Blue moved for summary judgment on Villalobos’s claims, arguing there was no insurance coverage for Villalobos’s property damage as a matter of law.

    Applying Louisiana law, the Fifth Circuit has previously determined that an identical residence requirement in a homeowners’ insurance policy required “more than purchasing a home or intending to move into it.” GeoVera Specialty Ins. Co. v. Joachin, 964 F.3d 390, 393 (5th Cir. 2020).

    Applying Joachin the Fifth Circuit agreed with the district court that the Property did not satisfy the policy’s residence requirement and was not a covered “residence premises” because: it is undisputed that Villalobos did not reside on the Property on the inception date of the Clear Blue policy; and
    Villalobos’s only material argument on appeal is that he intended to move onto the Property.

    Joachin held that “intending to move” is not enough. The Fifth Circuit concluded that there is no coverage under the policy. Accordingly, Villalobos’s breach of contract claim failed and the USDC’s judgment was affirmed.

    ZALMA OPINION

    That something as obvious as a home in Texas cannot be the residence premises of a person who lives full time in Colorado. Insurers issue property insurance policies providing coverage similar to a homeowners policy to the owner of a rental property while a homeowners policy limits coverage to the person who actually resides at the property. That this case went to the Fifth Circuit was the waste of Plaintiff’s time and money, the waste of the time of the trial court, and the waste of the time of the Fifth Circuit who rendered a concise and clear opinion. A less kind judge or appellate court would have imposed sanctions on the party plaintiff and his counsel.

    (c) 2024 Barry Zalma & ClaimSchool, Inc.

    Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.

    Subscribe to my substack at https://barryzalma.substack.com/subscribe

    Go to X @bzalma; Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg

    Go to the Insurance Claims Library – https://lnkd.in/gwEYk
    Intent to Move is not a Residence Residence Premises Requires the Insured to Live in Residence Post 4944 Read the full article at https://www.linkedin.com/pulse/intent-move-residence-barry-zalma-esq-cfe-qmlxc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. In Paul Villalobos v. Clear Blue Insurance Company, No. 24-20125, United States Court of Appeals, Fifth Circuit (December 10, 2024) the the Fifth Circuit affirmed the district court’s dismissa of Plaintiff-Appellant Paul Villalobos’s breach of contract claim following a coverage dispute between himself and his insurer, Clear Blue Insurance Company, because he admitted he did not live in the insured premises. FACTS Villalobos is named on a Clear Blue homeowners’ policy, which provides coverage for property located at 7503 Muirwood Lane in Houston, Texas (the “Property”). The policy’s “Property Coverages” section states in pertinent part: “We cover . . . [t]he dwelling on the ‘residence premises’ shown in the Declarations.” The policy defines “residence premises,” also in pertinent part, as “[t]he one-family dwelling where you reside . . . on the inception date of the policy period shown in the Declarations.” The Declarations page lists Villalobos as the insured, his mailing address as the Property, and the inception date as September 21, 2021. In mid-November 2021, Villalobos reported to Clear Blue that wind and hail had damaged the Property’s roof earlier that month. Clear Blue denied coverage after Villalobos admitted he lived in Colorado and had never resided at the Property. Villalobos sued Clear Blue, alleging breach of contract, breach of the duty of good faith and fair dealing, violations of the Texas Deceptive Trade Practices Act and the Texas Insurance Code, fraud, and ongoing conspiracy to commit illegal acts. ANALYSIS During his deposition, Villalobos testified that he lived in Colorado for over nine years and did not reside at the Property when the Clear Blue policy went into effect. Clear Blue moved for summary judgment on Villalobos’s claims, arguing there was no insurance coverage for Villalobos’s property damage as a matter of law. Applying Louisiana law, the Fifth Circuit has previously determined that an identical residence requirement in a homeowners’ insurance policy required “more than purchasing a home or intending to move into it.” GeoVera Specialty Ins. Co. v. Joachin, 964 F.3d 390, 393 (5th Cir. 2020). Applying Joachin the Fifth Circuit agreed with the district court that the Property did not satisfy the policy’s residence requirement and was not a covered “residence premises” because: it is undisputed that Villalobos did not reside on the Property on the inception date of the Clear Blue policy; and Villalobos’s only material argument on appeal is that he intended to move onto the Property. Joachin held that “intending to move” is not enough. The Fifth Circuit concluded that there is no coverage under the policy. Accordingly, Villalobos’s breach of contract claim failed and the USDC’s judgment was affirmed. ZALMA OPINION That something as obvious as a home in Texas cannot be the residence premises of a person who lives full time in Colorado. Insurers issue property insurance policies providing coverage similar to a homeowners policy to the owner of a rental property while a homeowners policy limits coverage to the person who actually resides at the property. That this case went to the Fifth Circuit was the waste of Plaintiff’s time and money, the waste of the time of the trial court, and the waste of the time of the Fifth Circuit who rendered a concise and clear opinion. A less kind judge or appellate court would have imposed sanctions on the party plaintiff and his counsel. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to X @bzalma; Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to the Insurance Claims Library – https://lnkd.in/gwEYk
    WWW.LINKEDIN.COM
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    Discover 100 collaborative articles on domains such as Marketing, Public Administration, and Healthcare. Our expertly curated collection combines AI-generated content with insights and advice from industry experts, providing you with unique perspectives and up-to-date information on many skills and their applications.
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