Author Archives for Diane Swerling
About Diane Swerling
Diane Swerling is a Principal at Swerling Milton Winnick, and current Vice President of the Massachusetts Association of Public Insurance Adjusters. She has particular expertise in claims involving condominium associations and commercial policies.
You Might Not Have Enough Loss of Use Coverage
September 16, 2025 12:11 pm Leave your thoughts Here’s a property insurance scenario to consider. Suppose you have the unfortunate experience of losing your house to a fire. Thankfully, you and your loved ones are unharmed. However, as the dust settles, you realize you have a lot to manage. The challenge starts with figuring out what your living arrangements will be. The first… View More
Does Your Condo Association’s Master Policy Provide Sufficient Coverage?
July 8, 2025 12:30 pm Leave your thoughts Recently, SMW was retained by a high-end condominium in the Back Bay to handle a property loss claim. The condo is a 3-unit building that is administered by a well-regarded property manager. The owner of one of the units was referred to us from their realtor who had just sold the insured a truly beautiful… View More
When the Nantucket Stroll Goes Dark – Can Businesses Get Coverage?
February 25, 2025 1:17 pm Leave your thoughts Every December, the Nantucket Chamber of Commerce holds its annual Nantucket Christmas Stroll, kicking off the holiday season with the celebratory Tree Lighting on Main Street, a visit by Santa Claus, and lots of live entertainment. It’s a total blast. Last year’s Stroll, however, faced an unexpected challenge – an underground cable failed and left… View More
L.A. Wildfires & Burnt Out Of Sight Homes: Important Lessons Learned
January 14, 2025 1:47 pm Leave your thoughts Specifics. Details. Invoices and receipts from years past. Document everything! These are the top-line lessons to learn if you’re dealing with an insurance claim related to a property that is “burnt out of sight” (BOS) – that is, with the building and personal property completely destroyed by fire (see picture). I was recently reminded of… View More
Managing a Large Property Claim
September 17, 2024 12:58 pm Leave your thoughts When a fire raged through a building that housed an array of medical practices in Derry, NH last year, the insurance industry paid attention. One of the tenants in the first and lower levels of the building was a business that owned both the Derry Medical Center (DMC) and Derry Imaging Center (DIC). Unfortunately, they… View More
Local Insurance Agents Deliver More Than the Big National Companies
September 10, 2024 1:59 pm Leave your thoughts “Buy local!” That’s not just a farm-to-table rally cry from your town food co-op. It’s the answer I reliably give when someone asks me whether they should buy insurance from a locally based agent, or from a national direct carrier. And I get asked this all the time. As a public adjuster, I’m uniquely positioned… View More
Condo Owners: Understand the Master Policy Covering Your Building
April 16, 2024 12:35 pm Leave your thoughts Diane Swerling knows condos. She lives in one and she has handled every imaginable type of insurance claim involving condo buildings. Anytime an in-the-know condo association has serious property damage, they retain Diane as their public adjuster. She loves handling these claims and delivering industry-leading results. On occasion, however, Diane must be the bearer of… View More
Homeowners: Do You Know Which Version of ‘Business Personal Property’ You Have?
April 2, 2024 11:50 am Leave your thoughts Do you run a business out of your house? Then you should get familiar with the Business Personal Property (BPP) section of your homeowner’s policy. Some insurance carriers have changed what you can claim in the event of damage, as well as the limit for what you can recover. Let us walk you through these… View More