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.
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
Business Owners: How Do You Insure Your Leased Equipment?
March 1, 2023 4:22 pm Leave your thoughts Attention business owners: Are you paying insurance on leased equipment? If so, you should know that you can likely list that equipment separately on your insurance policy and save money due to the “loss payee” clause. In property insurance terms, a loss payee is the party or entity that gets paid first in the event… View More
The Importance of Insuring Property to Value
February 14, 2023 1:49 pm Leave your thoughts SMW’s Diane Swerling is the author of this informative article featured in NAPFA’s Advisor magazine. Click the below link to read: https://www.napfaadvisor-digital.com/napfm/0521_may_2021/MobilePagedArticle.action?articleId=1688349#articleId1688349
Condominium Insurance: Master Policies
July 27, 2021 12:53 pm Leave your thoughts In Massachusetts and most of the New England states, the building coverage for a condominium falls under the association’s Master Policy of Insurance. Most condominium by-laws state that it is the association’s responsibility to insure the building. Therefore, if one or more unit owners decide not to carry insurance, the building will be able to… View More
Condominium Insurance: Unit Owners’ Coverages
July 20, 2021 1:01 pm Leave your thoughts Swerling Milton Winnick has been one of the premier condominium insurance adjusting firms for the past 40 years. After handling hundreds of large and complicated condominium losses, the one predominant problem that we run into is a lack of adequate coverage for the unit owners. Most unit owners have purchased insurance to cover their personal… View More
The Importance of Insuring Property to Value
June 1, 2021 1:27 pm Leave your thoughts SMW’s Diane Swerling is the author of this informative article featured in the most recent edition of NAPFA’s Advisor magazine. Click the below link to read: Read Article Here
Direct Physical Damage
May 11, 2021 12:59 pm Leave your thoughts There are several factors that will determine if you have a covered loss. Having a loss within the policy period is one important factor, but whether or not the event triggered coverage is just as crucial. The first question to ask: “Was there direct physical damage to covered property?” What is direct physical damage, you… View More
How Does Your Insurance Policy’s “Assignment of Benefits” Clause Affect You?
March 9, 2021 2:00 pm Leave your thoughts When homeowners suffer a property loss, one of the first things they do – even before they know the amount of coverage they will receive from their insurer – is call a contractor. The contractor looks at the damage, and estimates the likely cost of repairing the property. Maybe that estimate is greater than the… View More