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 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 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 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 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
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