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 Exactly Is The FAIR Plan?
February 18, 2025 1:50 pm Leave your thoughts In the news coverage of the tragic California wildfires, we’re hearing stories about people losing insurance coverage when State Farm and other carriers “drop” them or decline to renew policies. These discussions usually include references to the California “FAIR Plan” that’s available to California residents and businesses. What we haven’t heard too much is an… View More
What To Do When Your House or Building Burns To The Ground
February 11, 2025 1:31 pm Leave your thoughts What to Do When Your House or Building Burns to the Ground In a prior post, we offered some lessons for homeowners who suffer “burnt out of sight” (BOS) property losses. This helpful information sparked a great response from our readers, many of whom had more specific questions about “what to do” when facing a… View More
A Guide to Valued Policy States
February 4, 2025 2:01 pm Leave your thoughts Is California a Valued Policy State? When the wildfires happened in the Los Angeles area, we heard one big question posed from both insurance adjusters and policyholders alike: is California a “valued policy” law state? The answer is no – California is not a valued policy law state. California does, however, have a valued policy… View More
An Interview with Dr. Jerry Spindel After Fire Tore Through His Derry Medical Office
January 21, 2025 2:15 pm Leave your thoughts “People tell me I should give a seminar on how to recover from a fire.” This is what Dr. Jerry Spindel hears when discussing the catastrophic property loss suffered by his business, Spindel Eye Associates. We recently sat down with Dr. Spindel to discuss the steps he took to manage the insurance claim process, including… View More
SMW’s 2024 Holiday Gift: A Donation to World Central Kitchen
January 7, 2025 1:56 pm Leave your thoughts Each year, as the holiday season rolls around, the SMW team gets together and spends time thinking about creative and thoughtful gifts for all the people in our network – clients, colleagues, vendors, and others – who make a positive impact on us throughout the year. We try to make this annual gift something that’s… View More
Key Points From Some Of Our 2024 Blogs
December 17, 2024 1:37 pm Leave your thoughts Don’t start repairs until your public adjuster has scoped the cost of your claim https://swerling.com/dont-start/ •On the residential side, say a homeowner spent $100k to repair custom cabinets or replace granite countertops. If there was no agreed upon estimate, it can become a situation where the carrier is only willing to pay $50K. This is… View More
The Absolute Asbestos Exclusion
November 19, 2024 1:07 pm Leave your thoughts Commercial policy (CP) holders: RTFP alert! This time, reading the full policy will inform you about a potentially costly exclusion involving one of the most notorious – and toxic – building materials on the planet: asbestos. Read the F#@*ing Policy! Specifically, read the endorsements including the asbestos exclusion. Sometimes, the removal of asbestos is limited… View More
Understanding Your National Flood Insurance Program (NFIP) Policy
November 5, 2024 1:58 pm Leave your thoughts Homeowners across the U.S. are increasingly wondering if their insurance through the National Flood Insurance Program (NFIP) will cover them in the event of a flood. SMW is here to set you straight on your NFIP policy. First off, the NFIP policy is not intended to make policyholders whole after a flood – only to… View More