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.

Understand Your ‘Loss of Use’ Coverage

December 17, 2019 2:43 pm Published by Leave your thoughts Protect your property – that’s the fundamental reason for purchasing insurance.  To do so effectively, you need the right coverage.  And the only way to truly ensure that you have the right coverage is to understand every provision within your insurance policy. One area policyholders often struggle to grasp is the “Loss of Use” coverage…. View More

Best Practice Tips for Managing a ‘Burnt Out of Sight’ Insurance Claim

December 3, 2019 12:57 pm Published by Leave your thoughts SMW recently had a client referral – all the way from across the country.  An attorney, who is an old friend (going back to SMW patriarch Bruce Swerling’s college days!), had a claim that presented some interesting lessons for homeowners who suffer “burnt out of sight” (BOS) property losses. In this case, the insureds experienced… View More

Homeowners Beware: Don’t Let Your Thanksgiving Turkey Fry Turn into a Fireball of Property Destruction!

November 27, 2019 1:09 pm Published by Leave your thoughts Here at SMW, we love turkey, and we love Thanksgiving.  And though oven roasting is an endorsed technique, we are not without affection for the savory, oil-filled repast that you can get from deep-frying your holiday turkey. It’s delicious! It’s also, however, incredibly dangerous.  Do you doubt us?  We have seen the damage first-hand –… View More

L.A. Wildfires and Burnt Out of Sight Homes: Important Lessons Learned

November 14, 2019 1:26 pm Published by Leave your thoughts Specifics.  Details.  Invoices and receipts from years past.  Document everything! These are the top-line lessons to learn if you’re dealing with an insurance claim related to a property that is “burnt out of sight” (BOS) – that is, with the building and personal property completely destroyed by fire (see picture). I was recently reminded of… View More

What Community Association Boards and Managers Need to Know When Dealing with a Loss

November 12, 2019 2:23 pm Published by Leave your thoughts Any decent-sized community association – whether it’s a condo complex, co-op, or other homeowners’ group – depends on an experienced property manager to function.  This need is never more acute than after a major property loss, when the property manager becomes the go-to person for coordinating post-event response.  The property manager suddenly must oversee insurance… View More

Everything You Ever Wanted to Know about Condominium Insurance (But Were Afraid to Ask)

November 1, 2019 3:05 pm Published by Leave your thoughts November is ‘Condominium Month’ here at SMW!  So, pull out your condo insurance policies and prepare to learn everything you’ve ever wanted to learn about this important topic. At SMW, we know condos.  Over the past 40 years, we have worked hard to earn our reputation as the premier condominium insurance adjusting firm in New… View More

Halloween Alert: Vandalism and Malicious Mischief

October 29, 2019 3:27 pm Published by Leave your thoughts Trick or Treat? Or, perhaps more relevant for homeowners: Vacant or unoccupied? What’s the difference?  For insurance coverage purposes, “vacant” means without goods or personal property, while “unoccupied” means that no one is living in the premises. This is a critical distinction, because if a property is vacant for more than 60 days, you do… View More