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.

Surface Water/Water Main Break: Key Definitions in your Insurance Policy

May 1, 2020 5:50 pm Published by 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

Does Business Interruption Coverage Help You Recoup Lost Income Due to Coronavirus?

March 20, 2020 6:44 pm Published by Leave your thoughts Businesses across the country are shutting down or facing serious losses in income due to the Coronavirus epidemic.  In the face of business closures and other disruptions, business owners are asking their insurance agents what protection their policies might have to carry them through this crisis.  One of the areas these distressed business people are… View More

Commercial Collapse

March 17, 2020 6:49 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

Business Interruption Coverage: Part IV – Real-World Examples of How it Applies to Your Business

February 11, 2020 1:31 pm Published by Leave your thoughts In Part III of our multi-part series on Business Interruption coverage, we offered some real-life examples of BI coverage at work. To continue this examination, Part IV of this BI series looks at an additional aspect of BI – “Saved Expenses” – that business owners might encounter in their BI coverage. Saved Expenses As a… View More