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.

Read The Full Policy!

December 21, 2021 3:54 pm Published by Leave your thoughts RTFP – Read the Full Policy! This is sage advice.  We were reminded of the importance of reading the full policy on a claim we handled a couple of years ago.  Leading insurance consultant Bill Wilson spoke at the 2019 NAPIA mid-year convention, and it was instructive.  Bill’s take was a tad more colorful –… View More

Commercial Collapse

December 14, 2021 1:42 pm Published by Leave your thoughts In a previous blog, we discussed the Collapse coverage from the standpoint of a homeowner’s insurance policy.  In this blog, we will discuss Collapse in the Commercial policies. The two policies that cover most commercial properties are the Businessowners Coverage Form (BP 00 03) or the Causes of Loss – Special Form (CP 10 30). … View More

Understand Your Loss of Use Coverage

December 1, 2021 2:23 pm Published by Leave your thoughts Protect your property – that’s the fundamental reason for purchasing insurance. To do so effectively, you need the right coverage. And the only way to truly ensure that you have the right coverage is to understand every provision within your insurance policy. One area policyholders often struggle to grasp is the “Loss of Use” coverage…. View More

Homeowners Beware: Don’t Let Your Thanksgiving Turkey Fry Turn Into a Fireball of Property Destruction

November 23, 2021 1:09 pm Published by Leave your thoughts Here at SMW, we love turkey and we love Thanksgiving. And though oven roasting is an endorsed technique, we are not without affection for the savory, oil-filled repast that you can get from deep-frying your holiday turkey. It’s delicious. It’s also, however, incredibly dangerous. Do you doubt us? We have seen the damage firsthand –… View More

The Weather Outside is Frightful: Insurance Coverage Requirements You Need to Know About This Winter

November 16, 2021 1:54 pm Published by Leave your thoughts This winter, your local fire department will respond to many calls due to burst pipes and water seepage.  If you own a business or a home, this raises an important question: Can I recover from my insurer for damage caused by burst pipes? It depends. As public adjusters, we negotiate with insurance companies every day…. View More

Gifting vs. Loaning: Know the Difference When it Comes to Your Insurance Coverage

November 9, 2021 2:00 pm Published by Leave your thoughts The holidays are a time when family members exchange thoughtful gifts.  In the case of family keepsakes – jewelry, watches, etc. – these gifts require careful management on your insurance policy. Update your policies accordingly! Think about a family example: they have beautiful pearl earrings that family members have handed down through the generations. The… View More

Halloween Alert: Vandalism & Malicious Mischief

October 26, 2021 12:56 pm Published by Leave your thoughts Trick or Treat? Or, perhaps more relevant for homeowners: Vacant or unoccupied? What’s the difference?  For insurance coverage purposes, “vacant” means without goods or personal property, while “unoccupied” means that no one is living in the premises. This is a critical distinction, because if a property is vacant for more than 60 days, you do… View More