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.
Gifting vs. Loaning
December 20, 2022 1:52 pm Leave your thoughts 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
Condominium Losses: Master Policy vs. Unit Owner Policy
December 6, 2022 1:55 pm Leave your thoughts After an insurance loss at a condominium complex, who is responsible for the insurance claim? There are usually two policies that come into play – the association’s policy, known as the Master Policy, and the unit owner’s policy. Given our expertise on condominium matters, we often get calls from unit owners who want to hire… View More
Prominent New England Condo Attorney Sees the Value of a Public Adjuster
November 29, 2022 1:54 pm Leave your thoughts Ellen Shapiro knows about condos. She’s a partner at Marcus, Errico, Emmer & Brooks PC – New England’s pre-eminent law firm focusing exclusively on condominium law. In her vast experience helping condominium communities, she’s seen just about every legal issue imaginable. When it comes to managing the insurance claims process, Ellen steers her clients the same way every… View More
Homeowners Beware: Don’t Let Your Thanksgiving Turkey Fry Turn into a Fireball of Property Destruction
November 22, 2022 1:52 pm Leave your thoughts Here at SMW, we love turkey and we love Thanksgiving. And though oven roasting is an endorsed technique, we are not without affection for the savory, oil-filled repast that you can get from deep-frying your holiday turkey. It’s delicious. It’s also, however, incredibly dangerous. Do you doubt us? We have seen the damage firsthand –… View More
Just How Much Coverage Do You Get From Your National Flood Insurance Program Policy?
November 8, 2022 2:02 pm Leave your thoughts First off, let’s understand exactly what floods entail, as far as your National Flood Insurance Program (NFIP) policy is concerned. In most NFIP policies, “Flood” means: A general and temporary condition of partial or complete inundation of normally dry land areas due to any of the following: (1) Overflow of inland or tidal waters from… View More
After Hurricane Ian, Condo Owners May Find They Are Underinsured
November 1, 2022 2:29 pm Leave your thoughts For many years, SMW has worked nationally – including in Florida and on the islands – to help businesses and homeowners recover from hurricanes and other major weather events. We’re currently in Fort Myers and other parts of Florida where we have been called in to manage claims related to losses from the most recent… View More
Vacant vs Unoccupied
October 25, 2022 12:56 pm Leave your thoughts Trick or Treat? Or, perhaps more relevant for homeowners: Vacant or unoccupied? What’s the difference? For insurance coverage purposes, “vacant” means without goods or personal property, while “unoccupied” means that no one is living in the premises. This is a critical distinction, because if a property is vacant for more than 60 days, you do… View More
The First 24 Hours
July 26, 2022 1:46 pm Leave your thoughts Fire!!! Now what? It’s not quite that sudden a shift when you suffer a major property loss – but it’s close. What actually occurs during the first few hours following the news that your house is on fire? Here’s a quick timeline of the first 24 hours – including likely events and decisions you should… View More