Author Archives for Swerling Milton Winnick
About Swerling Milton Winnick
If you’ve had a fire, flood or other property loss resulting in an insurance claim, and need a public insurance adjuster in Massachusetts, New Hampshire, Rhode Island, New England or anywhere in the U.S. or Caribbean, call Swerling Milton Winnick. We are the oldest and largest public adjusting firm in New England, and our team of experts will give you personalized, 24/7 attention to successfully resolve your residential or business insurance claim.
The Absolute Asbestos Exclusion
November 19, 2024 1:07 pm Leave your thoughts Commercial policy (CP) holders: RTFP alert! This time, reading the full policy will inform you about a potentially costly exclusion involving one of the most notorious – and toxic – building materials on the planet: asbestos. Read the F#@*ing Policy! Specifically, read the endorsements including the asbestos exclusion. Sometimes, the removal of asbestos is limited… View More
Understanding Your National Flood Insurance Program (NFIP) Policy
November 5, 2024 1:58 pm Leave your thoughts Homeowners across the U.S. are increasingly wondering if their insurance through the National Flood Insurance Program (NFIP) will cover them in the event of a flood. SMW is here to set you straight on your NFIP policy. First off, the NFIP policy is not intended to make policyholders whole after a flood – only to… View More
Understanding Personal Property Holdback Claims
October 25, 2024 12:48 pm Leave your thoughts We get a lot of questions about Replacement Cost coverage and how the depreciation or “holdback” claims work, which can be a little hard to understand. So, we wanted to provide some explanation about this sometimes-confusing area of insurance. Most insurance policies are typically written on a “Replacement Cost” basis. This means that for every… View More
What Is Code Coverage?
October 15, 2024 1:11 pm Leave your thoughts When performing any kind of construction or renovation after a property loss, you will be required to comply with the current building codes of your town or city. In insurance policies, the relevant coverage is called “ordinance or law.” This coverage includes anything you must do to bring your construction project in compliance with these… View More
Replacement Coverage: Now You See It, Now You Don’t?
October 1, 2024 12:59 pm Leave your thoughts In a prior post, we told you all about the Statute of Limitations (SoL), and how homeowners and businessowners who suffer a catastrophic property loss must – with limited exception – file suit “for the recovery of any claim by virtue of this policy” within the time limits required by the state-mandated SOL. If the… View More
“When in doubt, call Fred.”
September 3, 2024 1:06 pm Leave your thoughts “When in doubt, call Fred.” That is a tried-and-true saying in our office. Any time you need him – Fred is there to save the day. Lost a file? Call Fred. Need remote access? Call Fred. Had your laptop explode because you downloaded a virus after business hours? Call Fred. Fred has been with us… View More
A Water Main Break – And an Insurance Carrier That Doesn’t Want to Pay
August 16, 2024 1:10 pm Leave your thoughts SMW has become tightly connected to some of the major players in the Boston restaurant scene. Amongst our restauranteur clients, several have owned and operated extremely popular restaurants – not to mention holding prominent positions within the Massachusetts Restaurant Association. So, when one of Boston’s signature restaurants suffered a major property loss a few years… View More
Attorneys: Consider Partnering With A Public Adjuster
August 2, 2024 12:34 pm Leave your thoughts Whenever someone tries to represent themselves in a legal matter, it’s safe to say that person has a fool for a client. Instead of going it alone, that person should hire an attorney. That way, they can benefit from the training and expertise that comes from a professional who knows the ins and outs of… View More