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.
Everything You Ever Wanted to Know about Condominium Insurance (But Were Afraid to Ask)
November 1, 2019 3:05 pm 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
Unit Owners: Know Your Condo Coverage Options
November 1, 2019 3:00 pm Leave your thoughts 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
Halloween Alert: Vandalism and Malicious Mischief
October 29, 2019 3:27 pm 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 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
SMW: Hooping it up at the Rental Housing Association 2019 Expo
October 22, 2019 3:29 pm Leave your thoughts Earlier this month, the SMW team got all gussied up and headed into town for one of our favorite annual events: the RHA Expo 2019. Hosted by the Rental Housing Association (RHA), a Mass.-based trade association representing owners and managers of more than 150,000 units across the state, the RHA Expo is a great chance… View More
Buyer Beware: the “Protective Safeguards” Endorsement and its Requirements
October 15, 2019 3:43 pm 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 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
Local Insurance Agents Deliver More than the Big National Companies
October 1, 2019 4:22 pm Leave your thoughts In my work as a public adjuster, I am continuously reminded of the numerous advantages homeowners and business owners get when they engage with a local insurance agent. If you suffer a major property loss, there is simply no replacing the personalized attention and service you get from a local agent. The big national players… View More