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 Top 3 Most Denied Property Loss Claims

August 17, 2021 12:52 pm Published by Leave your thoughts As public adjusters, we negotiate with insurance companies every day.  We see firsthand the reasons they cite for denying claims by policyholders – both homeowners and businesses.  To help you position yourself for a successful claim process, we compiled the top reasons insurance companies cite for denying a claim. Water seepage Seepage of groundwater into… View More

What Is Civil Authority Coverage?

August 10, 2021 12:59 pm Published by Leave your thoughts The little known “Civil Authority” provision has received much attention  – especially in connection with the Sept. 13, 2018 gas explosions in Lawrence, Mass. This critically important coverage provision is designed specifically for situations where people are forced out by police, fire or inspection services – or any similar “Authority” – due to a catastrophic… View More

Homeowners Beware: A Tree Falling on your Roof is Different than a Tree Falling in your Yard

August 3, 2021 12:54 pm Published by Leave your thoughts When windstorms hit the leafy neighborhoods of Boston’s MetroWest suburbs, we go to work. Big winds take down a lot of trees, and homeowners have several questions about their insurance coverage and possible solutions. Here are some of the top tips we shared with these homeowners: Take a look at your homeowner’s insurance policy –… View More

Understanding the Local Economy & Why It’s Important for Claims Settlements: Part III

July 6, 2021 1:33 pm Published by Leave your thoughts In our last blog about the local economy, we explored the impact in regards to the sales portion of a business interruption claim.  Now let’s talk about Expenses. Expenses The second half of a business interruption claim is the expenses.  We would all like it if revenue just kept going up while expenses remained constant,… View More

Understanding the Local Economy & Why It’s Important for Claims Settlements: Part II

June 29, 2021 12:57 pm Published by Leave your thoughts In our last blog about the local economy, we explored the impact in regards to building claims.  In this installment we are going to talk about the importance of understanding the local economy when preparing a business interruption claim. Businesses are impacted by the local and global economy every day.  In today’s ever connected world,… View More

Just How Much Coverage Do You Get From Your National Flood Insurance Program Policy?

June 22, 2021 12:52 pm Published by Leave your thoughts May flowers bring pilgrims, and June brings…floods. As summer storms roll in, homeowners should think about their insurance coverage for floods. That’s because we’re entering the season of hurricanes – and that often means torrential rain, high winds, and storm surges. These can result in uprooted trees, crippled power lines, and floodwater across entire regions…. View More

What is “Insurable Interest”?

June 8, 2021 12:53 pm Published by Leave your thoughts An insurance policy is, at its core, a type of contract: it represents an agreement between two or more parties in which one party, the insured, pays a specific sum to the other, the insurer, in exchange for something of value. In the case of an insurance contract (or policy), that thing of value is… View More