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.
Understanding the Complexities of Improvements and Betterments Coverage
May 30, 2023 12:46 pm Leave your thoughts Do you understand Improvements & Betterments (I&B) coverage? If the answer is no, don’t feel bad. Many insurance industry professionals don’t either! And certainly, many policyholders are totally in the dark on this hard-to-grasp area of insurance. Quite simply, I&B is one of the most difficult coverages to understand – for insurers, insureds, agents and… View More
“I Came Over the Hill and Everything Was in Flames”
May 16, 2023 1:01 pm Leave your thoughts Christopher A. Hauck D.C., owner of Framingham based Chiropractic Solutions, is a former client and a really great guy, and we sat down with him to get an update about the success of his business after SMW helped him recover from a devastating fire. The discussion brought back a lot of memories, and it reminded… View More
Understanding the Commercial Package Policy
May 9, 2023 12:49 pm Leave your thoughts If you’re part of a business or a private ownership group, you might have a “commercial package” policy for your entity’s buildings. Unlike in a homeowner’s policy – which automatically contains a provision that covers the “replacement cost” of buildings, structures, or other property – your commercial package policy does not automatically include coverage for relevant personal… View More
Replacement Cost Coverage: What Does Your Homeowners Policy Provide?
May 2, 2023 2:11 pm Leave your thoughts Do you have “Replacement Cost” coverage in your homeowner policy? This would cover damage to a building, structure, or other real property that you own. You probably do, even if you aren’t explicitly aware of it – or don’t know exactly how it works. Here are some insights to introduce you to this important coverage… View More
Small Business Week
April 25, 2023 12:32 pm Leave your thoughts Small businesses are the backbone of the American economy. They employ half of the country’s workforce, and produce more revenue than any other sector. To recognize their outstanding service, innovation and development, SMW is proud to celebrate Small Business Week during the first week in May. How can you celebrate Small Business Week? Here are… View More
Client Spotlight: Kiani
April 18, 2023 12:35 pm Leave your thoughts On the night of August 3, 2019, Mariam Ghavamian and Farzin Kiani suffered one of the most personally anguishing losses anyone can face – the loss of their home by fire. When their beloved home went up in flames, they were lucky to realize that they had invested in high-quality insurance. They were also glad… View More
Anti-Public Adjuster Provisions: Illegal & Harmful to Policyholders Across the Nation
April 4, 2023 1:09 pm Leave your thoughts SMW recently learned about a troubling new, and probably illegal, practice that harms holders of insurance policies. Pushed primarily by non-admitted property insurers, this practice tries to prohibit policyholders from using public adjusters (PAs). How are these non-admitted insurance carriers introducing these illegal policy provisions? They’re doing so by issuing policies that quietly include “Anti-Public… View More
A Deeper Dive into Business Interruption Coverage Options
February 21, 2023 1:49 pm Leave your thoughts As you know from reading our previous posts on the subject, Business Interruption (BI) coverage is an area of commercial insurance that can be hard to understand. If you’re the owner of a business, assuming you have full coverage, your BI coverage should make you whole – restoring you financially to a position as if you had… View More