Author Archives for Bryan Holtzman

About Bryan Holtzman

Bryan Holtzman is Vice President of Swerling Milton Winnick, with more than 15 years of experience helping businesses and homeowners navigate complex insurance claims. He specializes in building estimates and policy interpretation.

Read The Full Policy!

February 18, 2020 1:22 pm Published by Bryan Holtzman Leave your thoughts RTFP – Read The Full Policy! This is sage advice.  We were recently reminded of the importance of reading the full policy on a recent claim.  Leading insurance consultant Bill Wilson spoke at the 2019 NAPIA mid-year convention in December, and it was instructive.  Bill’s take was a tad more colorful – “Read the F#@*%ing… View More

Condo Owners: Do You Understand Your Per Unit Deductible?

November 19, 2019 1:19 pm Published by Bryan Holtzman Leave your thoughts Imagine that a major fire ravages a large condominium complex, damaging 70 of the 400 total units.  The property manager (wisely) calls in a public adjuster, and gathers all the condo owners together to discuss the repairs and related insurance claims process.  There’s a good chance that few, if any, of the condo owners will… View More

Adventures in ITEL: When Independent Analysis Contradicts Your Insurance Claim

August 6, 2019 7:54 pm Published by Bryan Holtzman Leave your thoughts When you suffer a property loss at your business or home, your insurance company sends one of its adjusters to evaluate the damage.  This insurance adjuster makes a preliminary determination of the cause of the loss and what your payout will be. When the property damage claim involves items such as hardwood flooring, carpeting, siding… View More

If You Have a “Hall of Claims” Event, You Might Not Have Coverage At All

March 12, 2019 8:25 pm Published by Bryan Holtzman Leave your thoughts by Bryan Holtzman JK Simmons, we love you – but those TV commercials are going to drive us crazy! You know the ones: a national insurance carrier depicts an outrageous, catastrophic property loss.  A dog starts a fire by playing with laundry detergent, for example.  Or a mountain lion drags its claws extensively over a… View More