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.

Condo Coverage Options

October 24, 2023 1:11 pm Published by Leave your thoughts   In this installment of our condo blog 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…. View More

Per Unit Deductible

October 17, 2023 1:05 pm Published by Leave your thoughts Imagine that a major fire ravages a large condominium complex, damaging 70 of the 400 total units.  The property manager (wisely) calls in a public adjuster, and gathers all the condo owners together to discuss the repairs and related insurance claims process.  There’s a good chance that few, if any, of the condo owners will… View More

Maintenance Fees

October 10, 2023 12:55 pm Published by Leave your thoughts 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

Condo Documents

October 3, 2023 1:01 pm Published by Leave your thoughts All condominiums in the state of Massachusetts must have a Declaration of Trust and Condominium Bylaws.  In our profession, we read the bylaws – specifically the Insurance Section – related to every condominium loss that SMW handles.  The wording in this section may tell us what items are and are not covered in each condo… View More

Homeowners Beware: Your Business Personal Property Coverage Has Strict Limits

September 26, 2023 2:43 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… View More

The First 24 Hours

September 19, 2023 12:14 pm Published by Leave your thoughts Fire!!!  Now what? It’s not quite that sudden a shift when you suffer a major property loss – but it’s close.  What actually occurs during the first few hours following the news that your house is on fire? Here’s a quick timeline of the first 24 hours – including likely events and decisions you should… View More

Homeowner Changes vs. Direct Damage

September 12, 2023 12:59 pm Published by Leave your thoughts When settling insurance losses, public adjusters must often deal with homeowner changes. This is especially the case when the claim involves a significant loss. This is because insurance policies are contracts of “indemnity” – meaning you only get paid for the property you actually possessed, or items of “like kind and quality.”  After suffering a… View More

Period of Restoration

September 5, 2023 1:18 pm Published by Leave your thoughts When you suffer a property loss and file a claim with your insurance carrier, the insurance claims process begins. This triggers the “period of restoration” requirement, which imposes a timeline of “reasonable speed” by which you must get the property repaired or replaced – and the date by which you should resume residential or commercial… View More

Labor Day

August 29, 2023 12:51 pm Published by Leave your thoughts Why exactly do we celebrate Labor Day? As you’re packing up the car this weekend, heading out to the beach or maybe a country retreat, you may find yourself wondering: why do we celebrate Labor Day? What does it represent? How did we get started on this holiday? Here at SMW, we love us some… View More

Direct Physical Damage

August 22, 2023 12:15 pm Published by Leave your thoughts There are several factors that will determine if you have a covered loss. Having a loss within the policy period is one important factor, but whether or not the event triggered coverage is just as crucial. The first question to ask: “Was there direct physical damage to covered property?” What is direct physical damage, you… View More