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.
Insureds: Don’t Be “S.O.L.” on Your Statute of Limitations
July 1, 2020 1:29 pm Leave your thoughts The Statute of Limitations is a trap for the unwary. If you’re a home or business owner and you suffer a catastrophic property loss, you must know the length of your state’s Statute of Limitations, and advance your claim within its required time limits. Don’t get S.O.L. on the Statute of Limitations! In Massachusetts, the… View More
SMW Spotlight: Jeffrey Winnick
June 23, 2020 6:51 pm Leave your thoughts 1. What’s your favorite part of the job? I like that the job is always changing. I enjoy meeting new people, and being in new places. It’s nice that I’m not always at a desk. I tend to be a very regimented person, and this job forces me to mix things up and deal with… View More
The Absolute Asbestos Exclusion: Another Reason to Read The Whole Policy
June 16, 2020 6:29 pm 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
Q&A with Bill DePiano – Reference from the POV of a Referee and Umpire
June 9, 2020 6:22 pm Leave your thoughts In property insurance settlements, when the insured and the insurance carrier can’t agree on the value of a loss, the case might go to a mediation process known as Reference. This is unique to Massachusetts – as codified in Mass. General Law Chapter 175 Section 99 et seq – but similar to the Appraisal process… View More
Congrats to the Brigs Property Management Team & the Unit Owners at Old Reading
June 2, 2020 6:19 pm Leave your thoughts Amidst the COVID crisis, we wanted to take a moment to say “Welcome Home” to the unit owners at the Old Reading Schoolhouse Condos. They recently moved back into their homes after a very long reconstruction process, which was expertly managed by the outstanding team at Brigs property management. Having worked with Brigs through each… View More
Just How Much Coverage Do You Get from Your National Flood Insurance Program Policy?
May 19, 2020 5:31 pm 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
Creating a Realty Trust? Remember to Update the Insurance
May 12, 2020 5:39 pm Leave your thoughts Putting property in a realty trust is often a prudent move. A realty trust gives you a separate entity for the purposes of collecting rents, paying expenses and distributing income to trustees. For legal and tax reasons, not to mention risk and succession objectives, the realty trust can make a lot of sense. But don’t… View More
Surface Water/Water Main Break: Key Definitions in your Insurance Policy
May 1, 2020 5:50 pm Leave your thoughts Surface water is an excluded loss under insurance policies, except for flood insurance policies. But what is “surface water” exactly? If a water main breaks under the street in front of your home, and the water enters your basement causing damage to your mechanical room, is this damage covered? Once the broken pipe’s water flows… View More