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.

Understand Your Loss of Use Coverage

August 15, 2023 12:27 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

Surface Water vs. Water Main Break: Key Definitions in Your Insurance Policy

August 8, 2023 12:54 pm Published by Leave your thoughts Surface water is an excluded loss under insurance policies, except for flood insurance policies. But what is “surface water” exactly? If a water main breaks under the street in front of your home, and the water enters your basement causing damage to your mechanical room, is this damage covered? Once the broken pipe’s water flows… View More

It’s Hurricane Season

August 1, 2023 12:48 pm Published by Leave your thoughts IT’S HURRICANE SEASON, AND ESPECIALLY IF YOUR HOME OR BUSINESS IS IN A COASTAL AREA, KEEP THESE TIPS IN MIND TO PREPARE FOR A STORM THAT MAY BRING DAMAGING WIND, RAIN AND FLOODING: • Trim or remove damaged trees and limbs to keep you and your property safe. • Secure loose rain gutters and downspouts… View More

A Tree Falling On Your Roof Is Different Than a Tree Falling In Your Yard

July 18, 2023 12:53 pm Published by Leave your thoughts When windstorms hit the leafy neighborhoods of Boston’s MetroWest suburbs, we go to work. Big winds take down a lot of trees, and homeowners have several questions about their insurance coverage and possible solutions. Here are some of the top tips we shared with these homeowners: Take a look at your homeowner’s insurance policy –… View More


July 5, 2023 4:33 pm Published by Leave your thoughts Let’s say your business has a commercial insurance policy with $1 million in coverage, and one of the buildings covered by your policy suffers damage that will cost $100K to repair.  You should be all set, right?  Not always. How can this be so? Coinsurance. Coinsurance is a clause in commercial policies that allows the… View More

Buyer Beware: The Protective Safeguards Endorsement & Its Requirements

June 20, 2023 12:55 pm Published by 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

Employee Spotlight: Jesse Dupuis

June 6, 2023 1:14 pm Published by Leave your thoughts What was your major in college? I majored in psychology at The George Washington University. What was your first job? My parents owned a diner in Providence and I helped out by washing dishes. Who trained you? I was exposed to different aspects of the business from the start. I’ve learned about inventory from Dayle… View More

Understanding the Complexities of Improvements and Betterments Coverage

May 30, 2023 12:46 pm Published by 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