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.
Utility Services – An Important Business Interruption Endorsement For Business Owners
February 22, 2022 1:44 pm Leave your thoughts Think about a business like an ice cream parlor. It relies on its local utility source to power the freezers that preserve its primary business product. If the electricity goes out, the ice cream melts. So, any interruption in utility services poses a vital threat to the entire business operation. We’ve talked a lot lately… View More
Does Commercial Property Insurance Cover Preventive Snow Removal?
February 8, 2022 1:44 pm Leave your thoughts If your company does business in Massachusetts, you should double check your commercial property insurance policy in advance of the next snowfall. According to a decision by the Mass. Superior Court, rooftop snow removal is NOT covered by commercial property insurance, and such policies typically apply only to damage or loss – not preventive maintenance… View More
A Mystery Flood on The Cape
February 1, 2022 1:56 pm Leave your thoughts ‘Tis the season of frozen pipes – and a good time to revisit an SMW homeowner water loss from Falmouth, MA. While the homeowners were wintering in Florida, they received the unpleasant news that water was pouring out of the front door of their Cape Cod home. The basement had filled with over six feet… View More
Condo Property Managers: Know What to Do After a Catastrophic Property Loss – Part 2
January 25, 2022 1:45 pm Leave your thoughts Scott also offered some “lessons learned” from the experience of reconstructing the Reading condo building. “What I’d do differently,” he says, includes the following advice for other property managers: Set a Dedicated Resource for Communications Previously, Scott underscored the importance of communications. And that priority received appropriate attention. Next time, though, Scott believes it would… View More
Condo Property Managers: Know What to do After a Catastrophic Loss – Part 1
January 18, 2022 2:09 pm Leave your thoughts With more than 20 years of experience in property management, Scott Wolf is an expert in meeting the needs of a condominium community. His company, Brigs LLC, is the premier full-service property management company in the Northeast. They’ve seen just about every kind of property disaster, and they know how to minimize disruption for their… View More
The Broad Evidence Rule
December 28, 2021 1:42 pm Leave your thoughts Property insurance policies provide for payment of a claim on an Actual Cash Value (ACV) basis until the property is repaired or replaced. Determining the ACV of the loss can be problematic due to the fact that the term “actual cash value” is not defined in most property policies. Therefore, determining ACV may fall to… View More
Read The Full Policy!
December 21, 2021 3:54 pm 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 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