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.

Commercial Collapse

March 17, 2020 6:49 pm Published by Leave your thoughts 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

Business Interruption Coverage: Part IV – Real-World Examples of How it Applies to Your Business

February 11, 2020 1:31 pm Published by Leave your thoughts 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

Utility Services – an important Business Interruption endorsement for business owners

January 28, 2020 1:42 pm Published by Leave your thoughts Think about a business like an ice cream parlor.  It relies on its local utility source to power the freezers that preserve its primary business product.  If the electricity goes out, the ice cream melts.  So, any interruption in utility services poses a vital threat to the entire business operation. We’ve talked a lot lately… View More

SMW Spotlight Series: Paul Winnick

January 21, 2020 1:49 pm Published by Leave your thoughts How did you get started in the business? When I was in my 20s, my older brother, Burt, was (and still is) a prominent attorney in Boston.  He wanted to help me get into a stable career.  At the time, he was Executive Director of MAPIA – the Massachusetts Association of Public Insurance Adjusters –… View More

Understand the Evolving Definition of “Collapse” in your Homeowner’s Policy

January 7, 2020 1:57 pm Published by Leave your thoughts Coverage for collapse has been argued and litigated heavily for the past several years.  The non-stop legal battles between insureds and insurers have resulted in ISO (the main policy writer) amending the verbiage in the standard property policy forms.  No longer does coverage for collapse exist if there is an imminent danger of collapse.  a.     … View More

Gifting vs. Loaning: Know The Difference Between a “Gift” and a “Loan” When it Comes to Your Insurance Coverage

December 23, 2019 2:39 pm Published by Leave your thoughts The holidays are a time when family members exchange thoughtful gifts.  In the case of family keepsakes – jewelry, watches, etc. – these gifts require careful management on your insurance policy. Update your policies accordingly! Think about a family example: they have beautiful pearl earrings that family members have handed down through the generations. The… View More

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