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

he Spirit of Christ has return to bless the Highest of Teachings within religion's sophistry, blocking all from Immortality. Be you a believer of the faith-based religions, be informed, Christ has spoken through the Ascended Master Vorthieu - the fourth Wise man! Spiritual phenomena experienced now, direct from Christ, released a truth hidden from all mankind, we are all lifted in Higher Consciousness. Amen. Amazing self-evidential Truth, from that which we know the heart and mind of God. The full 52 minutes Spiritual Truth will be on public on December, 25, 2024 as a gift from Spiritualism Australia Limited Family. Please donate 🙏🏾for we are dedicated to give you the Ultimate Truth Based upon physical evidence, faith is fine, however, fact is superior. https://paypal.me/HIGHERSPIRITUALISMAU?country.x=AU&locale.x=en_AU May this Christmas and all your days be as Christmas in celebration, love and Education. 🌸 Sri Sunkara https://shamballaandmasters.blogspot.com/... #christmas2024 #education #newage #truth #freedom #jesus #Christmas #christconsciousness #ascendedmasters #thefourthwiseman #spirituality #higherspiritualism

Trial Must Proceed Under Plaintiff’s True Name Fraud Defense Insufficient to Allow Plaintiff to Sue Under Pseudonym Post 4944 Read the full article at https://www.linkedin.com/pulse/trial-must-proceed-under-plaintiffs-true-name-barry-zalma-esq-cfe-zc7ic/, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. LITIGANTS MUST NOT HIDE THEIR IDENTITY Plaintiff sued State Farm under a pseudonym. The Court subsequently issued an order requiring Plaintiff to proceed using his actual name. Plaintiff appealed that order, and he now seeks to stay the Court’s order while his appeal is pending in James Doe v. State Farm General Insurance Company, No. 23-cv-04734-JSC, United States District Court, N.D. California (November 26, 2024). BACKGROUND Plaintiff alleged State Farm improperly and in bad faith denied coverage for his claim involving a lost wristwatch that retails at approximately $30,300. He filed his complaint under the pseudonym “James Doe,” insisting a pseudonym was necessary “to protect his privacy, his family, his reputation, and his livelihood, because he has been struggling with mental illnesses.” The Court rescinded its order permitting Plaintiff to proceed anonymously. At a ZOOM hearing the Court informed Plaintiff his actual name appeared on the Zoom screen. Although Plaintiff had yet to file a motion to stay the Court’s order requiring him to proceed under his actual name. The Court denied State Farm’s motion as to the breach of contract and wrongful policy cancellation claims. Jury trial is scheduled to commence in May 2025. DISCUSSION Parties may use pseudonyms in the unusual case when nondisclosure of the party’s identity is necessary to protect a person from harassment, injury, ridicule or personal embarrassment. Plaintiff based his claim for anonymity on two grounds: 1. Plaintiff argues anonymity is necessary because he has revealed highly sensitive and personal matters about himself, his mental illnesses and physical injuries in the course of the case. Yet, Plaintiff did not identify where in the record those highly sensitive matters are discussed. Plaintiff has not sought to redact any portions of his filings, assuming anything in them may be concealed from the public. So, Plaintiff is unlikely to prevail on this theory. 2. Plaintiff argues anonymity is necessary because the accusation of insurance fraud will ruin his reputation for honesty before a jury has passed judgment on his credibility and honesty at trial. Plaintiff states the case involves grave social stigmatization to Plaintiff because he has been accused of committing or seeking to commit insurance fraud. The USDC noted that Plaintiff showed no reasonable probability that an insurer’s material misrepresentation defense transforms a breach of contract claim into a matter of sensitive and highly personal nature, Here, Plaintiff is seeking coverage for a lost wristwatch. If an accusation of insurance fraud were sufficiently stigmatizing to warrant anonymity, then plaintiffs could proceed anonymously virtually anytime they challenge an insurer’s denial of coverage on the basis of a material misrepresentation. The Ninth Circuit’s mandate requires that parties only use pseudonyms in the unusual case. IRREPARABLE INJURY Plaintiff failed to demonstrate he will be irreparably injured absent a stay. The injury Plaintiff fears has already occurred to some extent by Plaintiff’s own doing. He appeared at a public hearing using his actual name. Further, in its recent summary judgment order, the Court concluded there was a dispute of fact as to whether Plaintiff intentionally concealed or misrepresented a material fact or circumstance relating to his insurance. At this point in this proceeding, there has been no finding of insurance fraud. HOIST ON HIS OWN PETARD Given that Plaintiff himself proceeded at a public hearing without taking steps to prevent the very disclosure he claims is so injurious, Plaintiff has not met his burden on the irreparable injury factor. As summary judgment was denied on the breach of contract claim, the case is proceeding to trial. The public interest lies in transparent and public court proceedings, especially trials. The Court denied Plaintiff’s motion to stay the order requiring Plaintiff to proceed under his actual name. ZALMA OPINION Pursuing litigation under a pseudonym because the defendant insurer claimed the Plaintiff attempted insurance fraud because his mental health and reputation would be harmed by the claims is insufficient. First, Plaintiff chose to sue State Farm. He could protect his mental health and reputation by not suing. Second, he was willing to attend a Zoom hearing with his true name showing, thereby effectively waiving the claim of anonymity. It could easily be concluded that he has sued under a pseudonym because he was embarrassed he was caught. (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

Vaccine Propaganda and Coercion We ALL should now KNOW FOR CERTAIN the reason for the coercion, unlawful #Discrimination, Dancing Nurses, and the unlawful "Vaccine Mandates" (For a GENE THERAPY, not a vaccine) the #Censorship of truthful information, the "Fact-Checking" #Propaganda, and the numerous other violations of the #NurembergCode that were committed by the corporation you call "#Government" were designed to coerce the people into taking a #DNA altering "GENE THERAPY" in violation of every medical ethics rule ever made, to get people to take a #WEAPON of #Genocide Those guilty of this #CrimeAgainstHumanity must have figured that everyone who could possibly hold them accountable for this demonic act would be DEAD! It's about time to hold those responsible accountable! There was NOTHING "innocent" about this operation! This was not done "in good faith" as they want you to believe! This was done to further the #Depopulation Agenda of madmen and #Luciferians (who run every "government" on earth) EVERYTHING about this #HOAX was designed to get you to allow a WEAPON to be injected into your body! And if you cannot clearly see as much... YOU MUST BE BLIND! OR you are in a trance from watching their #MKUltra #MindControl propaganda on television, and in radio. EVERYTHING on television is designed to put you into a hypnotic state and manipulate your reality and control your mind TO THIS DAY THERE HAVE BEEN NO ARRESTS MADE of those responsible for this attack on all of mankind! That tells me that #Police and #LawEnforcement, and even the #Courts are ALL COMPLICIT IN THESE CRIMES! These people THINK they will go unpunished for these crimes... It is time for humanity to prove them WRONG! It is time for people to be HELD ACCOUNTABLE! And that includes ALL "Law Enforcement" Agencies and political #Parasites who have failed to take action and to STOP the continuing distribution of these weapons of genocide! The #WHO and Bill & Melinda Gates Foundation, Fauci, and the EcoHealth Alliance, and the DOD, FDA, and #CDC are all also complicit in these crimes. As are platforms like FaceBook, YouTube, and Google who ALL used #Censorship to prevent LIFE SAVING INFORMATION to get out to the public, which quite possibly could have saved many lives! https://eppc.org/publication/vaccine-propaganda-and-coercion/

WHAT 'GOD' IS RELIGION WORSHIPPING? - DAVID ICKE DOT-CONNECTOR VIDEOCAST Well David, I really could not tell you! "Religion" is the traditions of MAN, and really have NOTHING to do with the word of YHWH! While I'm a very strong believer.... I'm NOT "religious" at all I put my faith and trust in Him who Created me, and protected my bloodline so that I could be here discussing your nonsense TODAY! Anyway.... David Icke's New Age drivel has went into overdrive...... And now he's attacking the Creator! While I enjoy hearing David's perspective most times, except for the new age drivel he pushes.... Like the hypnosis hosespit.... He simply don't know what he is talking about. If he actually knew anything about YHWH, his Creator, he would know that he commanded "So much killing" in the old testament because the #Nephilim had infected human DNA, along with the animals, birds and fish (Just like is happening NOW) and those same Nephilim were EATING mankind and drinking their blood etc.... and had just about eradicated mankind, which is what triggered the flood! And the reason they were commanded to "Kill them all" is because they were those Nephilim hybrid GIANTS! Which were threatening to eradicate His Creation! (Man) Rob Skiba explained it very well in a video he did about the book of Enoch, Jasher, Jubilees (Removed books) where that information is obtained. So if you need an answer to David's question.... Perhaps you should head over there and educate yourself as well Defending the book of Enoch and explaining the Pre and Post-Flood Nephilim https://youtu.be/LxohctQwRNw He is critiquing something because he don't fully know what he is talking about. And BTW.... there are very few actual "Christians" in the world. A lot claim to be! I was wondering when the new age BS would turn into outright blasphemy https://old.bitchute.com/video/12CdpftZiFAz/

It seems to be a really big issue with the Atheists..... They will claim "It requires no #Faith to be an #Atheist!" "We are simply saying that we don't believe YOUR explanation!" But actually.... It DOES require Faith! Because there is a large body of #Evidence supporting people's belief in the Most High... and they are choosing to disregard that evidence, in most cases, in favor of an explanation like.... ‘From Absolutely Nothing:’ The Logical Extension Of Atheism The logical conclusion of atheism is the belief that there was once Absolutely Nothing. For a very, very long time, Absolutely Nothing did absolutely nothing. But one day, without warning, Absolutely Nothing created Everything, for no apparent reason. It did this in a magical explosion which came from Absolutely Nothing. For a very long time after this, the Everything that came from Absolutely Nothing was completely dead. The Dead Everything just drifted around, randomly clumping together, eventually forming stars and planets, solar systems and galaxies, powerful black holes and beautiful gas nebulae. Absolutely Nothing taught it how to do this. On Earth, the Dead Everything formed itself into oceans and islands, stunningly beautiful mountain ranges, magnificent waterfalls, deep valleys, monumental glaciers and warm tropical beaches. Absolutely Nothing taught the Dead Everything that used to be nothing how to do this. But there was no life. Dead Everything was completely dead. Not a single living cell. Not a blade of grass. Not the smallest microbe in the ocean. Just dead, inanimate matter. But then another magical thing happened. One day, without warning, for no reason whatsoever, Dead Everything magically created living cells. We have no idea how Dead Everything did this, because we still can’t do this today, despite all our technology and the accumulated wisdom of our greatest scientific minds. The Dead Everything must have been extremely clever, probably because it was taught by Absolutely Nothing. We also don’t know why Dead Everything isn’t still creating living cells from dead matter today. Perhaps Absolutely Nothing originally told Dead Everything how to do it, but now Dead Everything has forgotten. Anyway, the magical living cells, created by Dead Everything had no intelligence of their own, yet they eventually formed themselves into grass and trees, fish and birds, insects and reptiles, and mammals of all shapes and sizes. Absolutely Nothing told the magical living cells how to do this. Absolutely Nothing did this by creating a highly complex biological coding, called DNA, that it placed inside every living cell. This is a coded set of instructions more complex than the most sophisticated computers mankind has ever built. Absolutely Nothing eventually gave every living cell a complete set of these instructions, involving literally billions of lines of specific biological code, telling each cell how to grow into all the different lifeforms that we see today. Absolutely Nothing told some living cells how to eventually grow into Atheists. Atheists believe in Absolutely Nothing. They have told the rest of us how Absolutely Nothing created Dead Everything in the beginning and how Absolutely Nothing then magically created the living world that we see around us today. We don’t know how Atheists learned about all this, since they weren’t there in the beginning when all of this supposedly happened. Perhaps Absolutely Nothing told them. Atheists have also told the rest of us that when we die, we go to Absolutely Nothing and turn into Absolutely Nothing ourselves. This is very exciting news! In the meantime, this understanding of our origins and eventual destiny gives us meaning and purpose. Since we now know that we came from Absolutely Nothing and will return to Absolutely Nothing, we can live our whole lives for Absolutely Nothing. Our ethics and morals are based upon Absolutely Nothing, and we serve Absolutely Nothing faithfully. Thank goodness for Atheism. Atheists. And they mock Christian beliefs! Anything you say...... **Smile and Nod** Personally.... I don't really care WHAT you believe! But when you attack my beliefs I feel the need to point out the flaws in your own

Justified By Faith https://www.youtube.com/watch?v=18eiU-A-tV0&list=PLLH7MtTdZnrJoU2xuEkHkput0zGthURaq&index=1

Justified By Faith https://www.youtube.com/watch?v=18eiU-A-tV0&list=PLLH7MtTdZnrJoU2xuEkHkput0zGthURaq&index=1

The Hunchback of Notre Dame (1939) is a classic American film adaptation of Victor Hugo's 1831 novel. Directed by William Dieterle, the movie is renowned for its lavish production and powerful performances. Here’s an overview of the film: Key Details: Director: William Dieterle Producer: Pandro S. Berman Cast: Charles Laughton as Quasimodo: His portrayal of the bell-ringer is iconic, capturing the character's tragic mix of physical deformity and inner nobility. Maureen O'Hara as Esmeralda: This was one of O'Hara's early roles, and her performance as the kind-hearted gypsy dancer is captivating. Cedric Hardwicke as Frollo: A menacing interpretation of the archdeacon who becomes obsessed with Esmeralda. Thomas Mitchell as Clopin: The leader of the beggars, adding a layer of intrigue and grit to the story. Highlights: Visual Design: The film is famous for its elaborate sets, especially the reconstruction of 15th-century Paris and the Notre Dame Cathedral. Makeup: Charles Laughton's transformative makeup for Quasimodo was groundbreaking at the time, designed by legendary makeup artist Perc Westmore. Themes: The story tackles themes of justice, love, social prejudice, and the clash between religious authority and personal morality. The 1939 adaptation is often regarded as one of the most faithful and emotionally resonant versions of Hugo’s novel. It balances spectacle with a deep exploration of the characters, making it a definitive cinematic interpretation of the classic tale.

Zalma's Insurance Fraud Letter - December 1, 2024 ZIFL Volume 28 No. 22 Post 4939 Read the full article at Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdfand at https://zalma.com/blog. Subscribe to ZIFL at https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D The Source for the Insurance Fraud Professional https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th 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/ This issue contains the following articles about insurance fraud: The EUO is a Material Condition Precedent A Key Tool in the Effort to Reduce Fraud Claim Properly Denied for Refusal to Testify at EUO I spoke recently at the Conference of the Southern California Fraud Investigators Association on the Examination Under Oath as a tool to help insureds prove their losses and what happens when an insured fails or refuses to testify. This case emphasizes the purpose of my talk. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Thanksgiving Wishes from the Zalma Family My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children. After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf 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 an effort to profit from what some Magistrate and District judges may be criminal to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Ethical Behavior & Insurance Insurance, from the time of its first agreement to the present day has always been a business requiring ethical behavior between the insurer and the insured and between the insured and the insurer. The concept of ethical behavior refers to well-founded standards of right and wrong that prescribe what humans ought to do, usually in terms of rights, obligations, benefits to society, fairness, or specific virtues, all of which are essential to the lawyer. Ethics refers to those standards that impose the reasonable obligations to refrain from murder, rape, theft, assault, slander, and fraud. Ethical standards also include those that imply virtues of honesty, compassion, and loyalty. There are rights presumed to exist such as those described in the Declaration of Independence submitted to King George of England in 1776 that held: We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of happiness. The unalienable rights also include the right to life, the right to freedom from injury, and the right to liberty. Such standards are adequate standards of ethics because they are supported by consistent and well-founded reasons. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Health Insurance Fraud Convictions Michigan Woman Convicted of $1.4M Health Care Kickback Scheme Mary Smettler-Bolton, 71, of Oakland County, Michigan was convicted November 22, 2024 for her role in a conspiracy to defraud the United States and receive illegal health care kickbacks. According to court documents and evidence presented at trial, Mary referred Medicare beneficiaries to several Metro Detroit home health companies in exchange for hundreds of thousands of dollars in kickbacks paid by the owners and operators of the home health companies. Over the course of four years, she and her co-conspirators caused over $1.4 million of loss to Medicare. Smettler-Bolton was convicted of one count of conspiracy to defraud the United States and receive illegal health care kickbacks and one count of violating the federal Anti-Kickback Statute. She is scheduled to be sentenced on March 3, 2025, and faces a maximum penalty of five years in prison on the conspiracy count and a maximum penalty of 10 years in prison on the kickback count. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors. Read the full article about dozens more convictions at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Convictions of Other Than Health Insurance Fraud Creative Fraudster Guilty of $229K Insurance Fraud Schemes Justin Mack, a native of Buffalo, New York, and a resident of Cleveland, Ohio, was sentenced on November 25, 2024 in the Cuyahoga County Court of Common Pleas. Mack, an Ohio man was sentenced to five years in prison and ordered to pay restitution for filing 24 fraudulent claims with multiple insurance companies, totaling more than $229,000. An extensive investigation uncovered Mack’s pattern of submitting altered documentation, falsified claims, and using other people’s identities to fraudulently secure payouts from multiple insurance companies. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf The Examination Under Oath Is Not Part of a Judicial Process Although the EUO is a formal proceeding it is not part of a judicial process nor is it subject to the rules set out by codes of civil procedure. There is no right to object to questions and never a judge present to rule on the objections. The testimony at the EUO is required to be presented in accordance with the obligation imposed on an insured to deal fairly and in good faith with the insurer. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Barry Zalma Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome. Write to Mr. Zalma at [email protected]; https://www.zalma.com; https://zalma.com/blog. He publishes daily articles at https://zalma.substack.com, Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ to consider more than 50 volumes written by Barry Zalma on insurance and insurance claims handling. Go to Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ and GTTR at https://gettr.com/@zalma