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.
An Interview with Dr. Jerry Spindel After Fire Tore Through His Derry Medical Office
January 21, 2025 2:15 pm Leave your thoughts “People tell me I should give a seminar on how to recover from a fire.” This is what Dr. Jerry Spindel hears when discussing the catastrophic property loss suffered by his business, Spindel Eye Associates. We recently sat down with Dr. Spindel to discuss the steps he took to manage the insurance claim process, including… View More
SMW’s 2024 Holiday Gift: A Donation to World Central Kitchen
January 7, 2025 1:56 pm Leave your thoughts Each year, as the holiday season rolls around, the SMW team gets together and spends time thinking about creative and thoughtful gifts for all the people in our network – clients, colleagues, vendors, and others – who make a positive impact on us throughout the year. We try to make this annual gift something that’s… View More
Key Points From Some Of Our 2024 Blogs
December 17, 2024 1:37 pm Leave your thoughts Don’t start repairs until your public adjuster has scoped the cost of your claim https://swerling.com/dont-start/ •On the residential side, say a homeowner spent $100k to repair custom cabinets or replace granite countertops. If there was no agreed upon estimate, it can become a situation where the carrier is only willing to pay $50K. This is… View More
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