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.
Understand Your Loss of Use Coverage
December 1, 2021 2:23 pm 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 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 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 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
Small Business & Retail Coverage You Should Consider This Holiday Season
November 2, 2021 12:56 pm Leave your thoughts If you’re the owner of a small business, Black Friday is a critical profit-making day that looms on your calendar all year long. You prepare everything in your store to maximize this chance to generate sales and spike your revenue enough to put you “in the black” for the year. You double up on your… View More
Halloween Alert: Vandalism & Malicious Mischief
October 26, 2021 12:56 pm 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
Extra Expenses – The Other Half of the Time Element Equation
October 19, 2021 12:50 pm Leave your thoughts We have previously examined the issue of Extra Expenses within various types of Business Interruption coverage, but we haven’t yet provided an in-depth view of Extra Expenses. So, we decided to give it its own spotlight. Why? Because the Extra Expenses provision could be a deciding factor between you recovering from a loss and your… View More
What To Do When Your House or Building Burns To The Ground
October 12, 2021 12:59 pm Leave your thoughts In a past post, we offered some lessons for homeowners who suffer “burnt out of sight” (BOS) property losses. This helpful information sparked a great response from our readers, many of whom had more specific questions about “what to do” when facing a BOS situation. In this post, we will answer the main questions posed… View More