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 Published by 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 Personal Property Holdback Claims

October 25, 2024 12:48 pm Published by 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 Published by 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

“When in doubt, call Fred.”

September 3, 2024 1:06 pm Published by 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 Published by 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

Legal Alert: Massachusetts Superior Court Rules On Matching Issue

July 16, 2024 12:51 pm Published by Leave your thoughts Property owners, take note: The Massachusetts Superior Court just issued a decision in an important case – New England Property Services Group (NEPSG) v. Bunker Hill Preferred Insurance Company [No. 2284CV2019] – that could directly impact your property insurance claim. The issue at hand revolved around the contentious issue of “matching” – which involves the… View More