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.
Coinsurance
July 5, 2023 4:33 pm 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
In MA, Value-Based Disputes Can Go To Reference Instead of Litigation
June 27, 2023 12:54 pm Leave your thoughts The two sides of a potential compromise don’t always agree. This is often the case in property insurance settlements, where an agreement must be reached before the claim can be finalized and closed. What happens when the two sides – the insured and the insurance carrier – simply can’t agree on the amount of a… View More
Buyer Beware: The Protective Safeguards Endorsement & Its Requirements
June 20, 2023 12:55 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
A Day in the Life of a Public Adjuster – Personal Property Inventory Edition
June 13, 2023 1:03 pm Leave your thoughts We often get asked: what exactly does a public adjuster do? At SMW, the answer is “anything related to your property loss claim.” This includes everything from start to finish. One of the key aspects of the claims process is inventory. To get a sense of what the inventory process is like, we recently spent… View More
Employee Spotlight: Jesse Dupuis
June 6, 2023 1:14 pm 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 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
“I Came Over the Hill and Everything Was in Flames”
May 16, 2023 1:01 pm Leave your thoughts Christopher A. Hauck D.C., owner of Framingham based Chiropractic Solutions, is a former client and a really great guy, and we sat down with him to get an update about the success of his business after SMW helped him recover from a devastating fire. The discussion brought back a lot of memories, and it reminded… View More
Understanding the Commercial Package Policy
May 9, 2023 12:49 pm Leave your thoughts If you’re part of a business or a private ownership group, you might have a “commercial package” policy for your entity’s buildings. Unlike in a homeowner’s policy – which automatically contains a provision that covers the “replacement cost” of buildings, structures, or other property – your commercial package policy does not automatically include coverage for relevant personal… View More