• COCA COLA TRAILER FILLED WITH CHILDREN BEING TRAFFICKED

    #Corporations enable #Evil
    Do you think this is just a #CocaCola driver gone astray???

    You don't think that Coca-Cola knows the whereabouts of ALL of it's trailers? This is crime being facilitated by Coca-Cola!

    EXACTLY THE SAME as the #HPD (Houston Police Department) patrol car that was used to transport and deliver #Narcotics!

    IN PLAIN SIGHT is how these criminals operate!

    https://old.bitchute.com/video/B87K87KBCzRL/
    COCA COLA TRAILER FILLED WITH CHILDREN BEING TRAFFICKED #Corporations enable #Evil Do you think this is just a #CocaCola driver gone astray??? You don't think that Coca-Cola knows the whereabouts of ALL of it's trailers? This is crime being facilitated by Coca-Cola! EXACTLY THE SAME as the #HPD (Houston Police Department) patrol car that was used to transport and deliver #Narcotics! IN PLAIN SIGHT is how these criminals operate! https://old.bitchute.com/video/B87K87KBCzRL/
    Angry
    1
    0 Comments 0 Shares 325 Views

  • 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
    Discover thousands of collaborative articles on 2500+ skills
    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.
    0 Comments 0 Shares 1K Views
  • HAARP STORM TRACKER
    Have you ever seen a storm take a sudden hard right or left? We've got another tropical storm headed straight for New Orleans, Houston, Mississippi, & the central Gulf Coast. Patriots, batten down the hatches!
    HAARP STORM TRACKER Have you ever seen a storm take a sudden hard right or left? We've got another tropical storm headed straight for New Orleans, Houston, Mississippi, & the central Gulf Coast. Patriots, batten down the hatches!
    Like
    2
    0 Comments 1 Shares 574 Views
  • THEY ARE FINALLY TAKING DOWN THE PERVERTS...
    Texas: 84 victims identified in sex trafficking bust that shut down 9 Houston bars.
    THEY ARE FINALLY TAKING DOWN THE PERVERTS... Texas: 84 victims identified in sex trafficking bust that shut down 9 Houston bars.
    0 Comments 2 Shares 519 Views 1
  • Sick! Three Mutilated Pet Cats Found Houston, Texas Neighborhood https://www.infowars.com/posts/three-mutilated-pet-cats-found-houston-texas-neighborhood
    Sick! Three Mutilated Pet Cats Found Houston, Texas Neighborhood https://www.infowars.com/posts/three-mutilated-pet-cats-found-houston-texas-neighborhood
    Like
    Angry
    2
    0 Comments 0 Shares 426 Views
  • OUR DAILY OLDIES: BACK IN THE 90s, I WAS INVITED TO AN EVENT IN WASHINGTON DC WHERE WHITNEY HOUSTON WOULD BE PART OF THE SHOW. SHE NEVER SHOWED OFF BUT HER AUNT DIONNE WARWICK CAME TO REPLACE HER. BACK THEN WE KNEW SHE WAS ALREADY HAVING PROBLEMS WITH DRUGS AND SHE DIED NOT LONG AFTER. ANOTHER TRAGIC DEATH OF A YOUNG TALENTED PERFORMER. SHE WAS MY NEIGHBOR IN NEW JERSEY, NOT NEXT DOOR BUT CLOSE ENOUGH, SHE LIVED IN THE TOWN OF EAST ORANGE, NOT FAR FROM MY HOME AND DIONNE WARWICK ALSO LIVED THERE. I THINK HER GREATEST SONG WAS 'I WILL ALWAYS LOVE YOU' AND I BET YOU HAVE NEVER HEARD THE SPANISH VERSION BY ANOTHER GREAT VOICE: MAGGIE CARLES FROM CUBA. ENJOY IT!
    OUR DAILY OLDIES: BACK IN THE 90s, I WAS INVITED TO AN EVENT IN WASHINGTON DC WHERE WHITNEY HOUSTON WOULD BE PART OF THE SHOW. SHE NEVER SHOWED OFF BUT HER AUNT DIONNE WARWICK CAME TO REPLACE HER. BACK THEN WE KNEW SHE WAS ALREADY HAVING PROBLEMS WITH DRUGS AND SHE DIED NOT LONG AFTER. ANOTHER TRAGIC DEATH OF A YOUNG TALENTED PERFORMER. SHE WAS MY NEIGHBOR IN NEW JERSEY, NOT NEXT DOOR BUT CLOSE ENOUGH, SHE LIVED IN THE TOWN OF EAST ORANGE, NOT FAR FROM MY HOME AND DIONNE WARWICK ALSO LIVED THERE. I THINK HER GREATEST SONG WAS 'I WILL ALWAYS LOVE YOU' AND I BET YOU HAVE NEVER HEARD THE SPANISH VERSION BY ANOTHER GREAT VOICE: MAGGIE CARLES FROM CUBA. ENJOY IT!
    Love
    1
    0 Comments 2 Shares 790 Views 4
  • In a tragic incident near Houston, Texas, a Tesla Cybertruck owner was incinerated alive after the electric vehicle crashed and burst into flames.
    https://www.breitbart.com/tech/2024/08/07/fatal-tesla-cybertruck-crash-in-texas-raises-concerns-over-ev-safety/
    In a tragic incident near Houston, Texas, a Tesla Cybertruck owner was incinerated alive after the electric vehicle crashed and burst into flames. https://www.breitbart.com/tech/2024/08/07/fatal-tesla-cybertruck-crash-in-texas-raises-concerns-over-ev-safety/
    WWW.BREITBART.COM
    Fatal Tesla Cybertruck Crash in Texas Raises Concerns over EV Safety
    In a tragic incident near Houston, Texas, a Tesla Cybertruck owner was incinerated alive after the electric vehicle crashed and burst into flames.
    0 Comments 1 Shares 869 Views
  • Houston Residents Attack, Poison Utility Workers Restoring Power After Hurricane – Reports https://www.infowars.com/posts/houston-residents-attack-poison-utility-workers-restoring-power-after-hurricane-reports/
    Houston Residents Attack, Poison Utility Workers Restoring Power After Hurricane – Reports https://www.infowars.com/posts/houston-residents-attack-poison-utility-workers-restoring-power-after-hurricane-reports/
    Like
    Angry
    2
    0 Comments 0 Shares 593 Views
Sponsored

We are 100% funded for October.

Thanks to everyone who helped out. 🥰

Xephula monthly operating expenses for 2024 - Server: $143/month - Backup Software: $6/month - Object Storage: $6/month - SMTP Service: $10/month - Stripe Processing Fees: ~$10/month - Total: $175/month

Xephula Funding Meter

Please Donate Here