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Month: December 2016

December 12, 2016

Improvements and Betterments Coverage

Read More about Improvements and Betterments Coverage
  
 7 Mar
Most homeowners’ policies do not cover personal property damaged as a result of ice dams. link to blog in bio
  
 6 Mar
If you’re a homeowner facing ice dams, you should notify your insurance agent, but you might not see an adjuster…
  
 5 Mar
With ice dams, the property owner’s hands are tied until the snow and ice are gone and the root cause…
  
 4 Mar
At this time of year, we routinely get calls from homeowners who have water pouring into their houses because of…
  
 3 Mar
With so much recent snowfall, homeowners in the Northeast are watching – with concern and even alarm – as snow…
  
 2 Mar
Are you ready to deal with ice dams this winter? link to blog in bio
  
 1 Mar
Jazz, love and Los Angeles. Chloe Finn likes her some La La Land in her Netflix queue. link to blog…
  
 28 Feb
Don’t make the they’re/their/there mistake with Chloe Finn – it’s her pet peeve - link to blog in bio
  
 27 Feb
Chloe Finn loves everything about Los Angeles – the palm trees, the climate, the people – it’s her special place;…
  
 26 Feb
Everybody at SMW knows Chloe Finn loves going to the Linden Store for lunch – but she never gets the…
  
 25 Feb
Before COVID, Chloe Finn always enjoyed going out for trivia nights at her local pub – she aced the music…
  
 24 Feb
Forget about sending SMW copy to a proofreader – Chloe Finn is the team’s expert in-house editor of all things…
  
 23 Feb
Check out the latest in the SMW “Spotlight” series – this one featuring Chloe Finn
  
 22 Feb
Quick tip: Endorse your policy so you have more than 12 months of Business Interruption for the period of restoration…
  
 21 Feb
If you’re a business owner tenant in a commercial building, your landlord might have different priorities or timelines after a…
  
 20 Feb
Beware: the 12 months of Business Interruption coverage does NOT include the additional time it could take for code updates…
  
 19 Feb
If your building has a big fire, you will have a major reconstruction project on your hands. Can you realistically…
  
 18 Feb
The 12 months of Business Interruption coverage in a standard BOP, including the “Period of Restoration” coverage, is usually fine…
  
 17 Feb
In many Business Interruption (BI) claims, which often include a time limit (rather than a set $$ limit), the limit…
  
 16 Feb
The Business Interruption clock is ticking – endorse your policy to ensure you have sufficient coverage for your ‘Period of…
  
 15 Feb
Buyer Beware: You might need additional “data processing” coverage for items like laptops, iPhones and other electronics. link to blog…
  
 14 Feb
We’ve noticed that Liberty Mutual’s typical homeowner insurance policy has a 12-month limit of coverage for “Loss of Use” -…
  
 13 Feb
If you’re insured with either Liberty Mutual or USAA – or another carrier imposing unusual “Loss of Use” limitations --…
  
 12 Feb
“Loss of Use” coverage doesn’t just pay homeowners’ rent for temporary housing while their property is repaired - it can…
  
 11 Feb
Refresher: “Loss of Use” coverage is designed to “maintain your normal standard of living” after a loss. link to blog…
  
 10 Feb
In addition to more house fires during #COVID19, we’re seeing something else: limitations in the “loss of use” coverage in…
  
 9 Feb
Buyer Beware: You might need additional “Loss of Use” and “Data Processing” coverage. link to blog in bio
  
 8 Feb
Acton Metal’s Todd Walsh has simple advice to other business owners entering the insurance claims process: “Get a good public…
  
 7 Feb
Acton Metal’s Todd Walsh now tells other businesses to increase their Business Interruption coverage to reflect sales and growth rates…
  
 6 Feb
Acton Metal was relieved to let SMW handle the details of its insurance claim and advise him what to expect…
  
 5 Feb
After a fire in the Acton Metal building, Todd Walsh thought the damage would be limited to the roofing and…
  
 4 Feb
One of the concerns Acton Metal’s Todd Walsh first had after the company suffered a fire was avoiding disruption in…
  
 3 Feb
By the time the fire department was called, the fire was coming through the double doors and into Acton Metal’s…
  
 2 Feb
Check out our latest client testimonial, this one from Acton Metal Processing Corp., a specialty metal finishing job shop and…
  
 1 Feb
Ideally, your employees will insure their personal property (tools etc.) through their own policies – not through your company’s commercial…
  
 31 Jan
Which business should get the ‘Brands & Labels’ endorsement? Any company that manufactures tangible products – that is, something a…
  
 30 Jan
If you select the ‘Brands and Labels’ endorsement, discount stores must remove labels or any other identifying marks from salvaged…
  
 29 Jan
You can get BI coverage either with or without an ‘Extra Expense’ endorsement. It’s at your discretion – an a…
  
 28 Jan
Learn about the Business Interruption endorsements and options available to you when selecting the level of BI coverage that’s right…
  
 27 Jan
If you’re the owner of a business, assuming you have full coverage, your BI coverage should make you whole –…
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    Swerling Milton Winnick Public Insurance Adjusters, Inc.
    36 Washington StreetSuite 310Wellesley HillsMA02481
    Phone: (800) 677-5454Local: (781) 416-1000
    Email: info@swerling.com

    Licensed in California, Connecticut, Florida, Louisiana, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Rhode Island, South Carolina, Texas, Vermont, and USVI.

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