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.
June 9, 2020 6:22 pm
Published by Swerling Milton Winnick
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
June 2, 2020 6:19 pm
Published by Swerling Milton Winnick
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
May 19, 2020 5:31 pm
Published by Swerling Milton Winnick
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
May 12, 2020 5:39 pm
Published by Swerling Milton Winnick
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
May 1, 2020 5:50 pm
Published by Swerling Milton Winnick
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
April 28, 2020 5:56 pm
Published by Swerling Milton Winnick
One of the top thought leaders in the property insurance industry, Chip Merlin Jr., Esq., founder and president of the Merlin Law Group, regularly writes about issues we care about. Whenever we see one of his posts that really resonates with us, we recommend it to our own readers as a ‘must-read’ article that delivers… View More
April 14, 2020 6:11 pm
Published by Swerling Milton Winnick
SMW is proud to announce that we have fully embraced the age of digital transformation – and it’s all the way in 3D. With our recent adoption of Matterport, a powerful all-in-one 3D data platform, Matterport helps our adjusters assemble claims using the very latest technology, making loss sites more easily accessible. This is hugely… View More
March 24, 2020 6:28 pm
Published by Swerling Milton Winnick
1. What was the last concert you went to? Maroon 5 with my sister, Diane. Adam Levine was amazing. That’s also the next concert I’m attending – it will be a great way to spend my birthday. 2. Did you know what your dad did growing up? I just knew that he was always working…. View More
March 20, 2020 6:44 pm
Published by Swerling Milton Winnick
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
March 17, 2020 6:49 pm
Published by Swerling Milton Winnick
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