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 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

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

Understanding the Commercial Package Policy

May 9, 2023 12:49 pm Published by 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

Small Business Week

April 25, 2023 12:32 pm Published by Leave your thoughts Small businesses are the backbone of the American economy. They employ half of the country’s workforce, and produce more revenue than any other sector. To recognize their outstanding service, innovation and development, SMW is proud to celebrate Small Business Week during the first week in May. How can you celebrate Small Business Week? Here are… View More

Client Spotlight: Kiani

April 18, 2023 12:35 pm Published by Leave your thoughts On the night of August 3, 2019, Mariam Ghavamian and Farzin Kiani suffered one of the most personally anguishing losses anyone can face – the loss of their home by fire. When their beloved home went up in flames, they were lucky to realize that they had invested in high-quality insurance. They were also glad… View More