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Barry Zalma, Esq., CFE presents videos so you can learn how to commit insurance fraud and what is necessary to discourage or defeat insurance fraud.
On February 27, 1995, the district attorney filed the following with the Superior Court of the State of California for the County of San Diego, who is writing this chapter for me. The district prosecutor stated, as part of the criminal information (the indictment), as follows:
“COUNT – 1 CONSPIRATORY TO COMMIT A CRIME” On or around December 10, 1991, JORGE NOREN HOLLAND intentionally and illegally conspired together with another person (Armen Al Zennedjian) and persons whose identity is unknown to commit the crime of arson by a resident Structure or inhabited property, the Penal Code § 451 (b), in violation of the Penal Code § 182 (a) (1).
“The purpose of the conspiracy was to set fire to and burn down the house located at 3030 Shelby Drive, in the County of San Diego, which belonged to and was occupied by JORGE NOREN HOLLAND in an attempt by JORGE NOREN HOLLAND to collect insurance proceeds as a result of the fire. “Then, in the county of San Diego, State of California, in accordance with the above conspiracy and to further its purposes:
“TOP ACT NO. (01): On or about December 10, 1991, at the house at 3030 Shelby Drive, JORGE NOREN HOLLAND showed Al Al Zennedjian where the house key to 3030 Shelby Drive was.
“TOP ACT NO. (02): …… entered the house with Armen Al Zennedjian.
“TOP ACT NO. (03):… at the house, NETHERLANDS visade Zennedjian showed around the interior of the house.
“TOP ACT NO. (04): Around 11 December 1991,… Zennedjian called… NETHERLANDS to inform him that… Zennedjian would go to the house… on 12 December 1991 to set the house on fire and burn.
“TOP ACT NO. (05): Around 11 December 1991,… HOLLAND had a telephone conversation with… Zennedjian about… Zennedjian going to the house… on 12 December 1991 to make the house catch fire and burn.
“TOP ACT NO. (06): On or about December 12, 1991, in his residence in the city of El Cajon, Z Zennedjian received gas cans which he placed in his pickup.
“TOP ACT NO. (07): On December 12, 1991, or about December 12, 1991, at a gas station near his home in the city of El Cajon, Zennedjian purchased gasoline and filled the gas cans he received from his home with gasoline.
“TOP ACT NO. (08): Around December 12, 1991, Zennedjian drove his pickup truck from the gas station near his home in the town of El Cajon with the gas cans filled with gasoline to the house at 3030 Shelby Drive.
“TOP ACT NO. (09): On or about December 12, 1991, at 3030 Shelby Drive, … Zennedjian received the house key shown to him by … HOLLAND in the house …
“TOP ACT NO. (10): Around December 12, 1991, Zennedjian used the house key shown to him by… HOLLAND to unlock the door to the house …
“TOP ACT NO. (11): On or about December 12, 1991 … Zennedjian entered the house at 3030 Shelby Drive.” TOP ACT NO. (12): On December 12, 1991 or about… Zennedjian while inside the house
… opened the sliding glass door and left the house …
“TOP ACT NO. (13):… Zennedjian went into the house again… and carried the petrol cans filled with petrol that he had brought with him, into the house…
“GRAVE – 2 IGNITION OF A WEDDING STRUCTURE OR PROPERTY” Around 12 December 1991, JORGE NOREN HOLLAND intentionally, illegally and intentionally set fire to and burned and had a inhabited structure and inhabited property burned, in violation of PENAL CODE SECTION 45 (SECTION 45) . “And, it is further alleged that the defendant, JORGE NOREN HOLLAND, in the commission and attempt to commit the above crime took, damaged and destroyed property with intent to cause such seizure, damage and destruction, and the loss exceeds one hundred thousand dollars ($ 100,000), in accordance with section 12022.6 (b) of the Penal Code.
“COUNT – 3 FALSE OR ELDERLY INSURANCE REQUIREMENTS” On or around March 27, 1992, JORGE NOREN HOLLAND knowingly and illegally presented or had a false or fraudulent claim made for payment of loss under an insurance contract, in violation of KODSVNR 1871. The only strange thing about the information quoted above is its rarity. Those of us involved in the insurance industry should rejoice over the actions of the San Diego District Attorneys and the insurance companies that refused to pay to avoid litigation with the two people who, according to the Information, are alleged to have committed the crimes of arson and insurance fraud.
Mr Holland pleaded guilty to insurance fraud and was ordered to repay the insurance company and was placed on probation. He actually made full compensation to the insurance company to avoid immediate jail time and a copy of that check hangs on my office wall.
The American States Insurance Company (the victim) and its investigator Steve Thompson should be honored for their efforts to defeat this fraud and help the State of California bring the arsonist to justice.
(c) 2022 Barry Zalma & ClaimSchool, Inc.
Barry Zalma, Esq., CFE, now limits his internship to the position of insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He practiced law in California for more than 44 years as a lawyer for insurance coverage and claims management and more than 54 years in the insurance industry. He is available at http://www.zalma.com and firstname.lastname@example.org.
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