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.
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
March 10, 2020 12:51 pm
Published by Swerling Milton Winnick
If you submit an insurance claim for lost rental income, be aware it might be harder than you think. This is true whether you’re part of a big property management company collecting rent from dozens of units, or an individual who owns a few 3-family houses. Either way, be careful. Rental income claims can be… View More
February 25, 2020 1:16 pm
Published by Swerling Milton Winnick
What are you doing to start 2020 on the right foot? I’m focusing on making sure I take the time to have more fun. Don’t sweat the small stuff – that’s what I’m planning to tell myself in 2020. Who would be your dream dinner guest? My dad, Bruce Swerling. I still really miss… View More
February 11, 2020 1:31 pm
Published by Swerling Milton Winnick
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