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.
May 2, 2023 2:11 pm
Published by Swerling Milton Winnick
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
April 25, 2023 12:32 pm
Published by Swerling Milton Winnick
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
April 18, 2023 12:35 pm
Published by Swerling Milton Winnick
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
April 4, 2023 1:09 pm
Published by Swerling Milton Winnick
SMW recently learned about a troubling new, and probably illegal, practice that harms holders of insurance policies. Pushed primarily by non-admitted property insurers, this practice tries to prohibit policyholders from using public adjusters (PAs). How are these non-admitted insurance carriers introducing these illegal policy provisions? They’re doing so by issuing policies that quietly include “Anti-Public… View More
February 21, 2023 1:49 pm
Published by Swerling Milton Winnick
As you know from reading our previous posts on the subject, Business Interruption (BI) coverage is an area of commercial insurance that can be hard to understand. If you’re the owner of a business, assuming you have full coverage, your BI coverage should make you whole – restoring you financially to a position as if you had… View More
February 7, 2023 1:48 pm
Published by Swerling Milton Winnick
Considering the recent cold snap, homeowners in the Northeast are watching – with concern and even alarm – as snow and ice builds up on their roofs. It might melt a bit during the day, and then freeze up again at night. This is a lethal process. All that melting-and-freezing can result in a breach… View More
February 1, 2023 1:55 pm
Published by Swerling Milton Winnick
If a “total building loss” is the basis of your insurance claim, it means you’re dealing with a building that is on the ground or gone entirely due to fire or other property catastrophe. In these cases, by the time the insurance carrier adjuster or your Public Adjuster shows up, all that’s left is a… View More
January 4, 2023 2:02 pm
Published by Swerling Milton Winnick
While re-sharing our classic blog on insurance coverage requirements, we’d also like to bring to your attention another challenge we’ve encountered when adjusting several property losses. When a tenant-occupied building suffers a property loss, and that tenant moves out and is nowhere to be found, the only way to get the utility records to prove… View More
December 27, 2022 1:49 pm
Published by Swerling Milton Winnick
What a year! We hope 2022 was full of health and prosperity for you. If you have been following our regular posts, you’ll hopefully be better informed about how to optimize your property insurance coverage. To ensure you have the most important takeaways, we have pulled some of the highlights from our 2022 blog series…. View More
December 20, 2022 1:52 pm
Published by Swerling Milton Winnick
The holidays are a time when family members exchange thoughtful gifts. In the case of family keepsakes – jewelry, watches, etc. – these gifts require careful management on your insurance policy. Update your policies accordingly! Think about a family example: they have beautiful pearl earrings that family members have handed down through the generations. The… View More