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.
Do You Understand Improvements & Betterments (I&B) Coverage?
October 20, 2020 1:29 pm Leave your thoughts By definition, “Improvements and Betterments” are changes/renovations undertaken by a tenant to make a structure more suitable for the tenant’s business or other purposes. These changes are made at the tenant’s expense, but the tenant cannot legally remove the improvements after installing them – even when a tenant may have made or paid for these… View More
Why Exactly Do We Celebrate Labor Day?
September 1, 2020 1:22 pm Leave your thoughts Amidst the COVID-19 pandemic and related quarantine, it might feel like the lines are permanently blurring between home and work, day to day – maybe even from one week to the next. But there’s no doubting when the seasons start to change, and we’re getting to that point where summer starts to give way to… View More
SMW Spotlight: Maureen Spognardi
August 25, 2020 7:30 pm Leave your thoughts Maureen is the first person you hear when you call our company, and the first person you see when you enter our office. From answering the phones to updating our claims database, she keeps us organized and on top of things. Always willing to lend a hand with our claims, Maureen is definitely an essential… View More
Business Interruption Coverage in the Time of Covid-19
August 18, 2020 7:28 pm Leave your thoughts If you have read the SMW blog, you know that Business Interruption (BI) coverage is a must-have for any business owner. Why? Because it makes you whole. If you suffer a catastrophic property loss, BI coverage allows you to make an insurance claim that restores you financially to a position as if you had not… View More
The Broad Evidence Rule
August 11, 2020 7:24 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
A Look Back at One Homeowner’s Fire Loss and Their Journey Through the Insurance Claim
August 4, 2020 1:46 pm Leave your thoughts For any homeowner, a major house fire is a true nightmare. And for the Habermann family, this nightmare became a reality. Luckily for them they had the support of a loving community and the guidance of expert professionals to help them get back on their feet. Lightning strikes On July 6, 2018, Kristen and Sandy… View More
SMW Spotlight: Tony Scarpellini
July 28, 2020 1:43 pm Leave your thoughts What was your major in college? I majored in Operations Management in college. I chose that because I wanted to get into the business world, and it seemed like a good foundation. What was your first job? I had my first job when I was in 7th grade. The father of some older kids in… View More
Part 2: Condo Property Managers: Know What To Do After a Catastrophic Property Loss – Lessons Learned
July 21, 2020 1:36 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