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.

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

Understanding the Complexities of ‘Improvements & Betterments’ Coverage

October 22, 2019 3:40 pm Published by Leave your thoughts Do you understand Improvements & Betterments (I&B) coverage?  If the answer is no, don’t feel bad.  Many insurance industry professionals don’t either!  And certainly, many policyholders are totally in the dark on this hard-to-grasp area of insurance.  Quite simply, I&B is one of the most difficult coverages to understand – for insurers, insureds, agents and… View More

Buyer Beware: the “Protective Safeguards” Endorsement and its Requirements

October 15, 2019 3:43 pm Published by Leave your thoughts Businessowners and homeowners: does your insurance policy contain a “Protective Safeguards” endorsement?  If so, there are a few requirements you absolutely must meet if you want to protect your ability to be covered in the event of a property loss. Protective Safeguards apply to both business and homeowner policies.  Essentially, the insurance company will give… View More

Homeowner Beware: Your Business Personal Property Coverage Has Strict Limits

October 8, 2019 3:46 pm Published by Leave your thoughts As public adjusters, we regularly see homeowners who have a home office or workshop where they might undertake small side projects to augment their income.  These workshops might be in their basement or in their garage, and contain tools, supplies or electronics that the homeowner owns and uses to work on such projects. This is… View More