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True Crime Stories of Insurance Fraud Number 27  Riots & Insurance Fraud   Barry Zalma, Esq., CFE presents videos so you can learn how insurance  fraud is perpetrated and what is necessary to deter or defeat insurance  fraud. This Video Blog of True Crime Stories of Insurance Fraud with the  names and places changed to protect the guilty are all based upon  investigations conducted by me and fictionalized to create a learning  environment for claims personnel, SIU investigators, insurers, police,  and lawyers better understand insurance fraud and weapons that can be  used to deter or defeat a fraudulent insurance claim.  In the spring of 1992, riots broke out in Los Angeles. Arson and looting  persisted for three days until the National Guard was called in to  bring peace to the streets.  The insured, the owner and operator of a failing restaurant saw the  riots as an opportunity. Chez Expensive was in Hollywood. It catered to a  small motion picture and television producers who gather along Highland  Avenue between Third Street and Hollywood Boulevard. The motion picture  business was bad. The television commercial business was bad. Chez  Expensive began to see luncheon crowds of three couples. The insured was  barely grossing enough to pay his rent.  Riots and civil commotion cause everyone hardship. Innocents suffer the  most. Those with criminal intent, however, take advantage of the misery  of others.  This story, unlike all of the stories in this book, is purely fictional.  After more than 53 years in the insurance industry dealing with arson  and insurance fraud almost continuously, I believe I can safely estimate  that at least 10 percent of the six thousand fires set in the 1992 Los  Angeles riots were not caused by the rioters. I assume, similarly, that  about 10 percent of the fires set by BLM and ANTIFA activists in  Portland, Seattle and Minneapolis were not caused by the rioters.  It is a distressing comment on our society that in a time of civil  unrest the innocents suffer, usually honest and honorable people are  tempted to steal from an insurance company, and the criminal\\u2019s profit.  \\xa9 2022 \\u2013 Barry Zalma  Barry Zalma, Esq., CFE, now limits his practice to service as an  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 an insurance  coverage and claims handling lawyer and more than 54 years in the  insurance business.  Subscribe to \\u201cZalma on Insurance\\u201d at https://zalmaoninsurance.locals.com/subscribe and \\u201cExcellence in Claims Handling\\u201d at https://barryzalma.substack.com/welcome.   You can contact Mr. Zalma at https://www.zalma.com, https://www.claimschool.com,  zalma@claimschool.com and zalma@zalma.com . Mr. Zalma is the first  recipient of the first annual Claims Magazine/ACE Legend Award.  You may find interesting the podcast \\u201cZalma On Insurance\\u201d at https://anchor.fm/barry-zalma;  you can follow Mr. Zalma on Twitter at; you should  see Barry Zalma\\u2019s videos on https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg/featured; or videos on https://rumble.com/zalma. Go to the Insurance Claims Library \\u2013 https://zalma.com/blog/insurance-claims\\u2013library/ The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/