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.
Want To Speed Up Your Claim Process? Then Slow It Down!
August 8, 2018 12:49 pm Leave your thoughts Are you just beginning the claim process? If you’ve suffered a loss and you’re making a claim under your homeowner or commercial insurance policy, you’ll want to speed things along. Want a tip for speeding up the claim process? Slow it down! As public adjusters, we run into situations where the insurance company moves quickly… View More
The “Full Compensation” Rule – Understanding the Equitable Doctrine of Subrogation
July 31, 2018 12:54 pm Leave your thoughts If a third party damages your property, the first thing you do is go to your homeowners or commercial insurance policy and check your coverage. Sometimes you will find that you are underinsured, and don’t have enough insurance to cover all your losses. What happens then? You look for a third party who may have… View More
Replacement Cost Coverage – What Does Your Homeowners Policy Provide?
July 23, 2018 1:03 pm Leave your thoughts Do you have “Replacement Cost” coverage in your homeowner policy? This would cover damage to a building, structure, or other real property that you own. You probably do, even if you aren’t explicitly aware of it – or don’t know exactly how it works. Here are some insights to introduce you to this important coverage… View More
Small Business Owners: Are you sure you have enough coverage? | Part 2 of 2
July 16, 2018 1:10 pm Leave your thoughts In Part I of this two-part blog post, we learned about Joe and Maria, a husband-and-wife team who own Joe’s Pizza. Their pizza shop is a multi-generational family business that is beloved by its local community. When a catastrophic event breaks out, Joe and Maria face a reckoning familiar to many small business owners: do… View More
Small Business Owners: Are you sure you have enough coverage? | Part 1 of 2
July 9, 2018 1:23 pm Leave your thoughts Does your town have a favorite pizza joint? Mine does. Let’s call it Joe’s Pizza. It’s a small, family-run operation that has been a valued local business for generations. Joe’s business has been in the same downtown location for 30 years. He and his wife Maria run the show, and have 6 or 7 hourly-wage… View More
Subrogation Lessons from the 2018 NAPIA Annual Meeting
June 20, 2018 1:37 pm Leave your thoughts Last week, the Swerling leadership team traveled to Hershey, PA to attend the 2018 National Association of Public Insurance Adjusters (NAPIA) Annual Meeting. This annual event is a terrific opportunity to connect with public adjusters from all over the country and discuss the priority areas for our industry. During the session, NAPIA general counsel Brian… View More
Does commercial property insurance cover preventive snow removal? No, says Massachusetts Superior Court.
June 12, 2018 1:40 pm Leave your thoughts If your company does business in Massachusetts, you should double check your commercial property insurance policy in advance of next winter’s snowfall. According to a recent decision by the Mass. Superior Court, rooftop snow removal is NOT covered by commercial property insurance, and such policies typically apply only to damage or loss – not preventive… View More
Local Insurance Agents Deliver More than the Big National Companies
June 5, 2018 5:35 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