For the past 53 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims staff to become professionals in insurance claims.
California SIU Regulations 2020 is designed to assist California insurance claims personnel, claims personnel, independent insurance adjusters, special fraud investigators, private investigators working for the insurance industry, corporate management, lawyers serving the industry, and all integrated anti-fraud companies working with California law enforcement in California SIU Claims Regulations which were rewritten and put into effect on October 1, 2020.
The State of California, by law, requires all admitted insurers to maintain a Special Investigation Unit (a "SIU") that meets the requirements of the Special Investigative Unit Regulations ( The "SIU Regulations") and train all integrated anti-fraud staff to recognize indicators of insurgency fraud. It is therefore necessary for insurance personnel who in any way conduct the presentation, processing or negotiation of insurance claims in California to be familiar with the SIU regulations.
The state has imposed all claims on personnel data to deal with insurance fraud if the insurers do business in the state. California Licensed Insurance Companies are liable under California Insurance Code Sections 1875.20-24 and California Code of Regulations, Section 10, Sections 2698.30 -.41 for establishing and maintaining special investigative units that identify and refer suspected insurance fraud to the California Department of Insurance (CDI) and directly to the local California County District Attorney & # 39 ;s Office for employee compensation only. The rules also require each insurer to submit an SIU annual report to the CDI that contains important information about the insurer's SIU fraud prevention, procedures and training materials. SIU's review program evaluates the report's accuracy, completeness and timeliness. The reports are used to carry out a risk assessment to determine which insurers are selected for review of SIU compliance. R
The appendices contain outlines to be used by an employee of the insurance company SIU, its trainers, trainers or lawyers to present a training course for all "integrated anti-fraud staff" at the insurers as defined in the SIU regulations. Insurers must understand that any employee on damages must be trained in accordance with the requirements of the SIU regulations no later than 30 days after the person is employed and thereafter annually. As it is not economically reasonable to train a new employee, the California SIU Regulations 2020 cam provides the training needed at no extra cost of a training class for one or two people. California SIU Regulations 2020 and its annexes provide the insurer and its personnel with the information necessary to comply with the SIU Regulations and will provide the training required for what the SIU Regulations describe as an insurer's "integrated anti-fraud personnel".
Available as a Kindle book here.
Available as paperback here.
In 1993, after waiting five years after receiving a ruling from the California Supreme Court, the state of California ruled that the insurance industry must be regulated to prevent insurers from treating the insured badly. and without good faith. It created a set of regulations called the "California Fair Claims Settlement Practices Regulations" ("Regulations") that were designed to enforce the mandate created under the California Fair Claims Settlement Practices Charter, California Insurance Code section 790.03 (h). in response to the direction of the California Supreme Court in its decision, Moradi-Shalal v. Fireman & # 39; s Fund Ins. Company, 46 Cal. 3d 287 (1988).
Thus, the California Department of Insurance (CDOI) issued rules designed to: micro-handle the insurance claim and create a method to punish the insurers who did not comply with the regulations. Some of the regulations recited what had always been recognized by the insurance industry as good faith and proper claims handling. Others introduced draconian mandates for what and when to do everything in the damage process.
The regulations also provided guidance for insured, general insurance adjusters and policyholders' attorneys to assert any breach of the regulations as evidence that the insurer is violating the implied bond of good faith and fair trade.
Reason for This Book
This book was designed to help insurance businessmen in the state of California.
It will advise:
• all insurance claims personnel,
• indemnity personnel,
• independent insurance adjusters,
• special fraud investigators,
• private investigators working for the insurance industry,
• the management of
• the lawyers who serve the industry,
• general insurance adjusters,
• policyholders and
• advice to policyholders working with insurance companies doing business in California
in information needed for to settle insurance claims correctly, efficiently and fairly.
All insurers doing business in California must meet the requirements of the regulations or face CDOI quarrels and attempted financial penalties. That sentence was found to be dubious and limited due to a brave insurer who fought the CDOI and succeeded before a judge in the administrative court who limited the right to punishment. As far as I have been able to establish, that success has not been imitated.
Notwithstanding the difficulty of assessing punishment, the State of California requires all those involved in the litigation process – even if only tangentially – to be trained in the handling of damages in accordance with the regulations and to certify that such training has been completed under oath. To avoid the required annual training, the injured party may submit a difficult document to the insurer or insurers for whom the injured party works which prevents him or her from reading and understanding the provisions.
Review of this book, the regulations and the comments below should be sufficient to meet the training requirements of the regulations.
It is necessary that insurance personnel who are in any way involved in the presentation, processing or negotiation of insurance claims in California be familiar with the regulations. Advisers for insurers and policyholders should also be familiar with the regulations as they set a minimum standard for claims management in the state.
There is also an overview for an education in the appendix.
Available as a paperback  Available as a Kindle Book
This book is the latest addition to Barry Zalma's series of books and articles that are the most thorough, up-to-date, expertly written guides available today on structural damage and human damage from mold, fungi, bacteria or viral infections.
Zalma's mold and fungus manual deals specifically with issues related to mold, fungi and bacterial infections and provides a detailed examination of the substances, their potential for property damage and bodily harm.
Written by nationally known insurance and insurance coverage expert, Barry Zalma, a semi-retired insurance coverage lawyer, insurance claims consultant, insurance coverage expert witness, author, video blogger and blogger. Zalma's mold and fungus manual provides in – depth explanations, analyzes, examples and detailed discussion of:
• claims for mold, fungi and bacteria; and
• Mold, fungal and bacterial disputes.
This book is thorough, yet practical, the perfect guide for any property owner, professional who works in or often interacts with repair or decontamination of mold, fungus or ba cteria infested property. It is also useful for all insurance, sales or claims professionals and all lawyers who are involved in the construction industry or who are involved in construction disputes involving mold, fungus or bacterial infections. Entrepreneurs, whether they own or rent real estate, will benefit greatly from The Mold and Fungi Handbook. It is the perfect resource for insurance educators, educators and students whose role requires an understanding of mold, fungi and bacterial infections.
The author has provided checklists and information and references to statutes involved in mold, fungi or bacteria.  This, Zalma's mold and fungus manual was written to help anyone facing property or bodily injury due to exposure to mold, fungus or bacterial infections. It was also written to help with the production of damages and non-life insurers for damage to property or persons.
by Barry Zalma, Esq., CFE
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