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.
Anti-Public Adjuster Provisions: Illegal & Harmful to Policyholders Across the Nation
April 4, 2023 1:09 pm Leave your thoughts 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
A Deeper Dive into Business Interruption Coverage Options
February 21, 2023 1:49 pm Leave your thoughts 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
Ice Dams
February 7, 2023 1:48 pm Leave your thoughts 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
The Challenge of a Total Building Loss
February 1, 2023 1:55 pm Leave your thoughts 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
The Weather Outside Is Frightful: Insurance Coverage Requirements You Need To Know About This Winter
January 4, 2023 2:02 pm Leave your thoughts 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
The Year in Review: Highlights from our 2022 Blog Series
December 27, 2022 1:49 pm Leave your thoughts 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
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
Condo 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. Condo Bylaws and Master Policy Requirements Given our expertise on condominium matters, we often get calls from… View More