What is the Meaning of “Void” An article For Subscribers to Excellence in Claims Handling You can Subscribe for only $5 a month to Excellence in Claims Handling at https://barryzalma.substack.com/subscribe “Void” can mean either void or voidable. Void is defined as “of no legal force or effect and so incapable of confirmation or ratification.” Voidable is defined as “capable of being adjudged void, invalid and of no force (a voidable contract may be set aside usually at the option of one party).”[1] The Restatement 2d of Contracts defines a “voidable contract” as a valid transaction with legal consequences until the power of avoidance is exercised. Although jurisdictions are split as to the meaning of void in this context the distinction is largely semantic since the actions required of insurers wishing to dispose of a void or voidable insurance contract are ultimately the same. The full article is available only to subscribers to Excellence in Claims Handling at substack and you can Subscribe for only $5 a month to Excellence in Claims Handling at https://barryzalma.substack.com/subscribe

Really, Black “teachers” sue because students exercised their political free speech rights? How about this. The students and the school district should sue the teachers personally for violating the students’ constitutional rights and seek charges for hate crimes based on racism and political persecution. The damages sought should include divesting the “teachers” from their pensions and punatively draining the entirety of their investments and savings. It’s time to send a message to these woke assholes that “woke time is over,” and the blatant violation of people’s constitutional right to placate their arrangement will not be tolerated any longer; there will be consequences! #politics #democrats #woke https://substack.com/profile/129788551-frank-salvato/note/c-81134987

By the looks of it, Putin whipped out a new Russian ICBM that NATO defense systems cannot intercept, but did NOT attach nuclear payloads to them. Essentially, Putin just showed the West that he has the ability to destroy them if they keep provoking him. It was a warning. Putin just exercised extreme restraint, while also showing Ukraine/NATO that they are outgunned. This should be front page news on every outlet, but for some reason, it’s not. Perhaps it’s because this situation does not fit their narrative that Putin is this Hitler-esque loose-cannon who wants to conquer the world. Putin is showing restraint. He wants diplomacy, not nuclear war. But the West continue to poke the bear.

It's time to confront the stark reality - the treatment of our nation's veterans who participated in the January 6 Capitol protests is nothing short of an outrage. Here's why Matt Gaetz stands out as the ideal candidate for Attorney General: Gaetz has been unapologetically vocal in his support for these veterans, who, after serving our country, find themselves under the harsh scrutiny of the law for what he believes was an exercise of their Constitutional rights.

EUO is a Material Condition Precedent Claim Properly Denied for Refusal to Testify at EUO Post 4936 Read the full article at https://www.linkedin.com/pulse/euo-material-condition-precedent-barry-zalma-esq-cfe-exccc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. See the full video at and at Erin Hughes appealed from the grant of summary judgment in favor of defendant and respondent Farmers Insurance Exchange (Farmers) on her causes of action for breach of contract and bad faith arising after Farmers’ denial of Hughes’s property insurance claim because she refused to testify at a second examination under oath (EUO). In Erin Hughes v. Farmers Insurance Exchange, B331168, California Court of Appeals (November 8, 2024) the condition precedent was enforced. FACTUAL BACKGROUND Hughes is the owner of real property in Malibu (the property). In December 2020, Hughes obtained an insurance policy to cover the property for fire loss through the California FAIR Plan Association (FAIR Plan). Also in December 2020, Hughes obtained a homeowner’s insurance policy from Farmers to cover perils other than fire, including losses due to theft (the policy). One month later, in January 2021, the property sustained significant fire damage. Hughes contacted Farmers, which advised her that fire loss was not covered by her Farmers policy, and she would have to pursue any such claim through her FAIR Plan policy. Unhappy, on January 21, 2021, Hughes tendered a theft claim under the Farmers policy, asserting in excess of $2 million worth of personal property was stolen from the property. Farmers ultimately denied the claim on January 5, 2022, on the ground that Hughes failed to cooperate with Farmers’ investigation, including by failing to participate in a second examination under oath as required by the policy. Hughes’s Complaint Against Farmers One week after the denial of her claim, Hughes sued Farmers and alleged Farmers demanded “duplicative, onerous and/or unnecessary” documentation of stolen items. Further, she alleged Farmers subjected her to “two confrontational, accusatory and grueling examinations under oath.” Hughes alleged her second examination under oath had been “suspended due to [her] medical condition,” but Farmers disregarded her condition and demanded a third examination. Farmers’ Motion for Summary Judgment Farmers moved for summary judgment contending it properly denied Hughes’s theft claim based on her failure to cooperate with Farmers’ investigation of her claim as well as her material misrepresentations in obtaining the Farmers policy. In May 2021, as part of Farmers’ theft claim investigation, Hughes participated in an examination under oath. During the examination, Hughes’s counsel informed the Farmers attorney he had just sent more than 40 additional receipts that the attorney would be receiving shortly. Recognizing they would not have time to go through the new items that day and the examination would need to continue on a future date, the Farmers attorney proposed “continu[ing] to work with one another to identify what’s missing.” In response, Hughes and her counsel agreed, with Hughes stating she would be happy to get “every single thing that you need and I’ll send it to my attorney right away.” In October 2021, a second session of the examination under oath was held regarding documentation Hughes had produced during and after the first session. Hughes appeared remotely with counsel and before any questions were asked of her, she objected to a further examination. Hughes accused the Farmers attorney of interrogating her “like a fucking criminal” and stated, “if you want to take my deposition . . . you are going to take a second deposition in court, and that’s going to be a formal deposition.” Hughes’s remote connection then cut out, and her counsel indicated she would not proceed with the examination. Farmers informed Hughes that it was denying coverage based on her failure to cooperate with Farmers’ investigation and particularly her refusal to proceed with the second examination under oath. Trial Court’s Grant of Summary Judgment and Denial of Hughes’s Continuance Request and Motion for New Trial The trial court granted summary judgment in favor of Farmers. Noting an insurer has “an absolute right” to require the insured to submit to an examination under oath “as long as the insurer exercises the right reasonably,” the court determined Hughes had not shown Farmers acted unreasonably. The court concluded summary judgment was appropriate “based solely on failure to cooperate.” DISCUSSION The trial court properly concluded there was no genuine dispute that Hughes’s failure to participate in an examination under oath constituted a material breach of the policy; accordingly, Farmers was excused from having to pay on Hughes’s claim. The right to require the insured to submit to an examination under oath concerning all proper subjects of inquiry is reasonable as a matter of law. An insured’s compliance with a policy requirement to submit to an examination under oath is a prerequisite to the right to receive benefits under the policy. Because Hughes refused to cooperate with Farmers’ investigation by participating in and completing her examination under oath, she cannot establish her own performance under the policy. Breach of Implied Covenant Claim The implied covenant of good faith and fair dealing is based on general contract law and the long-standing rule that neither party will do anything which will injure the right of the other to receive the benefits of the agreement. Hughes’s claim for bad faith fails as a matter of law. ZALMA OPINION Wildfires tend to destroy everything. That is why insurers are unwilling to write fire insurance in Malibu and other areas prone to wildfires and obtain fire insurance from the Fair Plan, an organization designed to cover uninsurable risks. Because of the destruction done by a wildfire or a dwelling fire a $2 million dollar theft loss after a fire is questionable and a good reason to take a thorough EUO. Farmers tried to do so and Hughes refused without reason after admitting she left open much investigation elements at the agreed conclusion of the first session and an agreement to a second only to refuse. (c) 2024 Barry Zalma & ClaimSchool, Inc. 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Hiding Behind the BAR Why Attorneys are not Lawyers Feudal Tenancy If you think you are a landowner in America, take a close look at the warranty deed or fee title to your land. You will almost always find the words "tenant" or "tenancy." The title or deed document establishing your right as a tenant, not that of a landowner, has been prepared for transfer by a licensed BAR Attorney, just as it was carried out within the original English feudal system we presumed we had escaped from in 1776. A human being is the tenant to a feudal superior. A feudal tenant is a legal person who pays rent or services of some sort for the use and occupation of another's land. The land has been conveyed to the tenant's use, but the actual ownership remains with the superior. If a common person does not own what he thought was his land (he's legally defined as a "feudal tenant," not the superior owner), then a superior person owns the land and the feudal tenant - person pays him to occupy the land. This is the hidden Feudal Law in America. When a person (a.k.a. human being, corporation, natural person, partnership, association, organization, etc.) pays taxes to the tax assessor of the civil county or city government (also a person), it is a payment to the superior land owner for the right to be a tenant and to occupy the land belonging to the superior. If this were not so, then how could a local government sell the house and land of a person for not rendering his services (taxes)? We used to think that there was no possible way feudal law could be exercised in America, but the facts have proven otherwise. It's no wonder they hid the definition of a human being behind the definition of a man. The next time you enter into an agreement or contract with another person (legal entity), look for the keywords person, individual, and natural person describing who you are. Are you the entity the other person claims you are? When you "appear" before their jurisdiction and courts, you have agreed that you are a legal person unless you show them otherwise. You will have to deny that you are the person and state who you really are. Is the flesh and blood standing there in that courtroom a person by their legal definition? https://educate-yourself.org/cn/attorneysarenotlawyers13mar05.shtml

SO WHERE'S FEMA, THEY CONFISCATE MERCHANDISE AND THEN FLEE THE 5 STATES THAT ARE STILL IN DIRE STRAIGHTS. THEY HAVENT HELPED AT ALL. OVER 500 PEOPLE ARE STILL MISSING. PEOPLE HAVING LOST EVERYTHING AND WINTER IS COMING. FEMA TOOK THE GENERATORS, DIDN'T PAY LINEMEN. FEMA IS DOING EXERCISES IN MICHIGAN. THESE MEN NEED ALL KINDS OF HELP https://youtu.be/e-nTQVsXiTw?si=QiV6CqXRZ06h_0Z5

DHS Scraps ‘Cybersecurity Exercise’ in Atlanta Planned on ELECTION DAY, Blames Cancellation on ‘Disinformation’ & ‘Threats’ https://www.infowars.com/posts/dhs-scraps-cybersecurity-exercise-in-atlanta-planned-on-election-day-blames-cancellation-on-disinformation-threats

#TRUMP AND #RFK PLANNING 'SHOCK AND AWE' ARRESTS OF GATES AND FAUCI ON JANUARY 20 Trump, the "Father of the #Genocide JAB" claims to have a plan to arrest Bill Gates and Anthony Fauci on January 20th.... KINDA LIKE HE CLAIMED HE'D ARREST #Hillary! Refresh my memory... IS HILLARY CLINTON IN JAIL??? This is all BS designed to get you to "vote," which is YOUR CONSENT to be ruled by psychopathic murdering scum! The same ones responsible for getting you where you are today! WHO WAS IT AGAIN, THAT "LOCKED DOWN" AMERICA IN VIOLATION OF THE CONSTITUTION? They ALL need to be perp walked to prison! PERMANENTLY! More BS, more LIES, more FALSE CAMPAIGN PROMISES, more BS! EVERYONE at the #DOD should be arrested, since it was them who produced the genocide jab, in a covert depopulation exercise. They are #Criminals ALL https://old.bitchute.com/video/7glRVTIeSYWn/

https://herbalremedies.one/how-to-improve-eyesight-naturally/ Save Your Eyesight naturally! Imagine a life without being able to see clearly or being literally blind for life? You don't have to lose your vision due to macular degeneration cataracts, diabetes or age. You can improve your vision naturally with the right nutrition, exercise and supplementation. #eyesight #eyes #vision #blindness #blind