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.
December 17, 2019 2:43 pm
Published by Swerling Milton Winnick
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
December 3, 2019 12:57 pm
Published by Swerling Milton Winnick
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
November 27, 2019 1:09 pm
Published by Swerling Milton Winnick
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
November 25, 2019 1:10 pm
Published by Swerling Milton Winnick
We recently handled a property loss at a large condominium complex. The building suffered a huge fire, and all unit owners had to move out. The structure was uninhabitable and there was no building left to maintain or common area lights to keep on. But: the association still had to pay property taxes. It also… View More
November 14, 2019 1:26 pm
Published by Swerling Milton Winnick
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
November 12, 2019 2:23 pm
Published by Swerling Milton Winnick
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
November 8, 2019 2:28 pm
Published by Swerling Milton Winnick
The SMW team took a fun night out last month to “Raise the Woof” and party with our closest two-legged and four-legged friends at the MSPCA-Angell annual gala for animals in need. Held on October 17 at Cyclorama in the Boston Center for the Arts, we were also psyched to honor the Boston Bruins Foundation… View More
November 1, 2019 3:05 pm
Published by Swerling Milton Winnick
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
November 1, 2019 3:00 pm
Published by Swerling Milton Winnick
In this installment of our “Condo Month” series, we want to address the one predominant problem that we run into most often: a lack of adequate coverage for the unit owners. How can this be? Well, most unit owners have purchased insurance to cover their personal property and loss of use of their unit. But… View More
October 29, 2019 3:27 pm
Published by Swerling Milton Winnick
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