No Breach of Contract no Bad Faith Happy Veterans Day to My Fellow Veterans Some Claims Proper Some Not Read the full article at https://www.linkedin.com/pulse/happy-veterans-day-my-fellow-barry-zalma-esq-cfe-ovpec, shttps://www.linkedin.com/pulse/happy-veterans-day-my-fellow-barry-zalma-esq-cfe-ovpec and at https://zalma.com/blog plus more than 4900 posts. Post 4929 Vepo Design Corporation and its officers (collectively, “Vepo”) appealed the district court’s grant of summary judgment on their breach of contract and bad faith claims against American Economy Insurance Company (“AEIC”). Vepo’s claims relate to AEIC’s denial of coverage following a fire in a laundromat, known as the “Central Laundromat,” which Vepo was developing. In Vepo Design Corporation, et al. v. American Economy Insurance Company, No. 23-55634, United States Court of Appeals, Ninth Circuit (November 4, 2024) the issues were resolved serially. DECISIONS Business Income The Ninth Circuit reversed the district court’s grant of summary judgment in favor of AEIC on Vepo’s business income claim, which concerns income Vepo contends it would have earned operating the Central Laundromat if the fire had not occurred. AEIC argued that Vepo’s claim for lost income was too speculative given that the Central Laundromat was still under construction and Vepo had not secured additional financing to own and operate it. Construing the facts in the light most favorable to Vepo as the non-moving party the Ninth Circuit concluded that there is sufficient evidence to create a genuine dispute of material fact and that Vepo’s claim for lost business income is not unduly speculative. There is evidence that Vepo was contemplating an arrangement under which it would own and operate the Central Laundromat for a period of time before selling it, and that Vepo later engaged in similar arrangements for other laundromats. Vepo, which was experienced in the laundromat industry, also demonstrated that it had a history of securing financing for its laundromat projects and that it intended to refinance the Central Laundromat once a certificate of occupancy was received. Although Vepo had not secured refinancing for the Central Laundromat as of the time of the fire, Vepo’s Principal Owner stated in her declaration and confirmed at her deposition that it was too early to do so in the project timeline. That Vepo had yet to refinance does not render its claim too speculative as a matter of law and its losses are for a jury to decide. Extra Expense The Ninth Circuit affirmed the district court’s grant of summary judgment in favor of AEIC for the extra expenses that Vepo allegedly incurred in storing laundry equipment in a warehouse owned by Vepo’s sister company following the fire. While the policy only required the expense to be incurred, not paid, there was insufficient evidence to create a triable issue over whether the expense was incurred at all. No payment changed hands between the two entities, and there is no accounting record showing that Vepo was liable for the storage amount. When the same person signed as representative of both entities, does not create a genuine dispute of material fact. Lost Profits The Ninth Circuit concluded that the district court properly granted summary judgment on Vepo’s claim for lost profits on the prospective sale of the laundromat. Even assuming that such a loss would be covered under the policy, the claim fails because the policy limited coverage to losses that occur within one year of the incident. Vepo’s plan called for it to own and operate the Central Laundromat for at least one year after opening, which would place any hypothetical sale more than a year after the pre-opening fire. Individual Personal Property Claims The Ninth Circuit affirmed summary judgment for AEIC on the claims by the individual plaintiffs for their own personal property that was allegedly lost in the fire. As the district court correctly found, Vepo did not identify what individual property was lost or its worth. The individual plaintiffs’ claims were too unsupported to create a triable issue. Bad Faith The Ninth Circuit partially reversed the district court’s grant of summary judgment on Vepo’s bad faith claim, to the extent of the single insurance claim it allowed to go forward-the business income claim. The district court may permit any further motions practice on the bad faith claim as it deems appropriate. However, it affirmed the district court’s grant of summary judgment on the bad faith claim insofar as that claim is premised on any of the other breach of contract claims to which AEIC is entitled to judgment as a matter of law. There is never a claim for breach of the implied duty of good faith and fair dealing if there was no improper denial of coverage under the policy. ZALMA OPINION The importance of this case is the reiteration of the law that there can never be a viable tort of bad faith if there is no improper denial of a claim by breach of the insurance contract. If the one cause of action remaining was breached in bad faith and there was no genuine dispute over coverage, that cause can be brought for bad faith damages. The other decisions of the Ninth Circuit were obvious and well reasoned. (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

Edward Mandel House He said in a letter to President Woodrow Wilson [1913-1921]: "[Very] soon, every American will be required to register their biological property in a National system designed to keep track of the people and that will operate under the ancient system of pledging. By such methodology, we can compel people to submit to our agenda, which will affect our security as a charge-back for our fiat paper currency. Every American will be forced to register or suffer not being able to work and earn a living. They will be our chattel, and we will hold the security interest over them forever, by operation of the law merchant under the scheme of secured transactions. Americans, by unknowingly or unwittingly delivering the bills of lading to us will be rendered bankrupt and insolvent, forever to remain economic slaves through taxation, secured by their pledges. They will be stripped of their rights and given a commercial value designed to make us a profit and they will be none the wiser, for not one man in a million could ever figure our plans; and, if by accident one or two would figure it out, we have in our arsenal plausible deniability. After all, this is the only logical way to fund government, by floating liens and debt to the regstrants in the form of benefits and privileges. This will inevitably reap to us huge profits beyond our wildest expectations and leave every American a contributor to this fraud, which we will call "Social Insurance (SSI)". Without realizing it, every American will insure us for any loss we may incur, and in this manner every American will unknowingly be our servant, however begrudgingly. The people will become helpless and without any hope for their redemption; and we will employ the high office of the President of our dummy corporation to foment this plot against America."

Active citizen monitoring of government policies and practices is more important today than ever, especially in large settings. This vigilance requires people to be more aware and to take action by informing themselves about policies, raising their concerns, and engaging in discussions about government behavior. Freedom can be further secured through civic engagement tools such as public forums, online petitions, and peaceful protests by keeping things open and accountable. The more people are informed and involved, the more democratic their country will be, and this will serve as a damper on the tendency of government power to trespass on the rights of its citizenry. https://www.americanthinker.com/blog/2024/11/citizenry_participation_in_times_of_political_turmoil.html

Walking Thunder | Full Movie | John Denver | James Read | David Tom 3,711,290 views Apr 3, 2022 #sunworld In the 1850s, a young boy and his family on their way west become stranded in the Rockies. With the help of a local mountain man, a Sioux medicine man, and a legendary bear known as "Walking Thunder," the boy learns to become a man, and his family's survival is secured. https://youtu.be/BZg02e1qA-o?si=TfJCQu4k0L62aUrU

╔═.✵.══════════╗ Most secured vault ╚══════════.✵.═╝

A Quote To Remember Edward Mandel House He said in a letter to President Woodrow Wilson [1913-1921]: "[Very] soon, every American will be required to register their biological property in a National system designed to keep track of the people and that will operate under the ancient system of pledging. By such methodology, we can compel people to submit to our agenda, which will affect our security as a charge-back for our fiat paper currency. Every American will be forced to register or suffer not being able to work and earn a living. They will be our chattel, and we will hold the security interest over them forever, by operation of the law merchant under the scheme of secured transactions. Americans, by unknowingly or unwittingly delivering the bills of lading to us will be rendered bankrupt and insolvent, forever to remain economic slaves through taxation, secured by their pledges. They will be stripped of their rights and given a commercial value designed to make us a profit and they will be none the wiser, for not one man in a million could ever figure our plans; and, if by accident one or two would figure it out, we have in our arsenal plausible deniability. After all, this is the only logical way to fund government, by floating liens and debt to the regstrants in the form of benefits and privileges. This will inevitably reap to us huge profits beyond our wildest expectations and leave every American a contributor to this fraud, which we will call "Social Insurance (SSI)". Without realizing it, every American will insure us for any loss we may incur, and in this manner every American will unknowingly be our servant, however begrudgingly. The people will become helpless and without any hope for their redemption; and we will employ the high office of the President of our dummy corporation to foment this plot against America."

Human Image - The Fundamental Legal Fiction What will it require for people to realize that ALL OF THIS IS TRUE??? You ARE a #Slave in a corrupt, fraud based system of deceit and control! PLEASE WAKE UP TO THIS FACT! This is knowledge that I've been trying to get the masses to absorb for a LONG TIME! One of the most revealing "government" letters ever written Edward Mandel House He said in a letter to President Woodrow Wilson [1913-1921]: "[Very] soon, every American will be required to register their biological property in a National system designed to keep track of the people and that will operate under the ancient system of pledging. By such methodology, we can compel people to submit to our agenda, which will affect our security as a charge-back for our fiat paper currency. Every American will be forced to register or suffer not being able to work and earn a living. They will be our chattel, and we will hold the security interest over them forever, by operation of the law merchant under the scheme of secured transactions. Americans, by unknowingly or unwittingly delivering the bills of lading to us will be rendered bankrupt and insolvent, forever to remain economic slaves through taxation, secured by their pledges. They will be stripped of their rights and given a commercial value designed to make us a profit and they will be none the wiser, for not one man in a million could ever figure our plans; and, if by accident one or two would figure it out, we have in our arsenal plausible deniability. After all, this is the only logical way to fund government, by floating liens and debt to the regstrants in the form of benefits and privileges. This will inevitably reap to us huge profits beyond our wildest expectations and leave every American a contributor to this fraud, which we will call "Social Insurance (SSI)". Without realizing it, every American will insure us for any loss we may incur, and in this manner every American will unknowingly be our servant, however begrudgingly. The people will become helpless and without any hope for their redemption; and we will employ the high office of the President of our dummy corporation to foment this plot against America." https://rumble.com/voc6nd-human-image-the-fundamental-legal-fiction.html

ASK YOURSELF: ... WHEN DOES A "CRIME" BECOME A "VIOLENT CRIME"?!... WHEN THE CRIMINALS THINK OF THEIR PLAN OF ATTACK?,... OR, WHEN THEY GET TOGETHER, WITH OTHER(CRIMINAL)S, (PERHAPS A "NEIGHBOR"),...TO DISCUSS IT, IN DETAIL?...OR, WHEN THEY "STALK THE CRIME SCENE, TO LOOK FOR ANY "PROBLEMS"?,... OR, WHEN THEY STAKE OUT THE TARGETED SCENE, THE NIGHT OF THE CRIME?,... OR, WHEN THEY STEP OUT OF THE SHADOWS, AND START WALKING UP ON THE HOUSE/PROPERTY/SITE, AND BEGIN CUTTING WIRES, PICKING LOCKS, JUMPING FENCES, TAKING OUT THE ALARM SYSTEMS, AND LIGHTS?,... OR, WHEN THEY TRY THE WINDOWS, DOORS, LOCKS, AND GAIN ENTRY, INTO THE FORMERLY "SECURED" AREAS?!,... OR, MAYBE WHEN THEY FIND THEIR "TARGETS OF OPPORTUNITY" (PEOPLE SLEEPING, CHILDREN, PETS,.. SAFES, ARTWORK, WEAPONS, OTHER VALUABLES?!,... OR, WHEN THEY SUDDENLY PULL OUT THEIR WEAPONS, AND BEGIN THEIR ACTIONS, TO HARM THE INNOCENT PEOPLE INSIDE?!... OR, WHILE TAKING TIME, BEFORE THEY FINALLY KILL THEIR VICTIMS, TO NOT ONLY ROB THEM, BUT, NOW, TO BEGIN INTIMIDATING, AND THEN RAPING THEM, TORTURING THEM, TERRIFYING THEM?!!!... HOW ABOUT AFTER THE VICTIMS STOP MOVING, AND ARE FOREVER SILENCED?!.... PERHAPS, WHEN THE CRIMINALS HAVE EVERYTHING THEY CAME FOR, AND MORE, AND, THEY HURRY AWAY FROM THE CRIME SCENE, PERHAPS SETTING IT ABLAZE,,... BACK INTO THE DARKNESS,.. UNSEEN?!... IF THEY ARE NEVER FOUND, CAUGHT OR PUNISHED,... WHEN DID THE REAL VIOLENT CRIMES BEGIN?!...

Remember boys and girls..... EVERYTHING the #Corporation of the United States says and does is based 100% in #Fraud! The FRAUD of their "Maritime Admiralty Law" #Slave system NOBODY has "consented" to it, and NOBODY is informed enough TO CONSENT TO IT even if they wanted to! It's ALL a SCAM created by #Criminal scum... A Quote To Remember Edward Mandel House He said in a letter to President Woodrow Wilson [1913-1921]: "[Very] soon, every American will be required to register their biological property in a National system designed to keep track of the people and that will operate under the ancient system of pledging. By such methodology, we can compel people to submit to our agenda, which will affect our security as a charge-back for our fiat paper currency. Every American will be forced to register or suffer not being able to work and earn a living. They will be our chattel, and we will hold the security interest over them forever, by operation of the law merchant under the scheme of secured transactions. Americans, by unknowingly or unwittingly delivering the bills of lading to us will be rendered bankrupt and insolvent, forever to remain economic slaves through taxation, secured by their pledges. They will be stripped of their rights and given a commercial value designed to make us a profit and they will be none the wiser, for not one man in a million could ever figure our plans; and, if by accident one or two would figure it out, we have in our arsenal plausible deniability. After all, this is the only logical way to fund government, by floating liens and debt to the regstrants in the form of benefits and privileges. This will inevitably reap to us huge profits beyond our wildest expectations and leave every American a contributor to this fraud, which we will call "Social Insurance (SSI)". Without realizing it, every American will insure us for any loss we may incur, and in this manner every American will unknowingly be our servant, however begrudgingly. The people will become helpless and without any hope for their redemption; and we will employ the high office of the President of our dummy corporation to foment this plot against America."

⭐WTF?! COP'S GUN GOES OFF BY ITSELF IN POLICE STATION DURING ARREST Brian, I hear you asking "WHY would #Police leave a "drug lock box" unsecured inside of a #Police station?" and it sounds as if you are surprised by this behavior! Like everyone else in America, we oftentimes look at these things from the perspective that "No sane person would do this KNOWING that people could just grab drugs from the box." But that is our mistake.... Police WANT you to grab the drugs, that is the entire reason the box is unsecured! It's basically an "entrapment" situation. Granted, you should not take things that are not yours.... But you should also not invite people to steal your sh*t either! It's kinda like saying politicians are "stupid" when they do crazy shit... But you are looking at it from a point of view that they are "Trying to help the country." NO, politicians are NOT stupid! They want you to THINK they are stupid, but in reality their mission is to destroy the country. And when you look at it through those eyes, you see just how clever they are! Police are no different! These are #Criminals who are at war with Americans, and are operating unlawfully under "Maritime Admiralty Law" You must understand that ALL of these people calling themselves "government" must realize at some point, that what they are doing is wrong, immoral, and violates the human rights of people.... And the smart ones may even figure out they are operating UNLAWFULLY under "Maritime Admiralty Law" while being on the LAND BUT THEY DON'T CARE! And that is because what "government" really amounts to is the world's largest#OrganizedCrime ring! And they f*cking KNOW IT! They KNOW they will never be held accountable because the Judges and Prosecutors and the #Courts altogether are just as #Criminal as they are, and they KNOW they'll be protected! And that's cuz "It's a big club, and YOU ain't in it!" https://old.bitchute.com/video/FHLwdu-NzmI/