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.
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
Adventures in ITEL
July 19, 2022 1:11 pm Leave your thoughts When you suffer a property loss at your business or home, your insurance company sends one of its adjusters to evaluate the damage. This insurance adjuster makes a preliminary determination of the cause of the loss and what your payout will be. When the property damage claim involves items such as hardwood flooring, carpeting, siding… View More
Local Insurance Agents Deliver More Than The Big National Companies
July 12, 2022 12:48 pm Leave your thoughts “Buy local!” That’s not just a farm-to-table rally cry from your town food co-op. It’s the answer I reliably give when someone asks me whether they should buy insurance from a locally based agent, or from a national direct carrier. And I get asked this all the time. As a public adjuster, I’m uniquely positioned… View More
Want To Speed Up Your Claim Process? Then Slow It Down!
July 5, 2022 12:53 pm Leave your thoughts Are you just beginning the claim process? If you’ve suffered a loss and you’re making a claim under your homeowner or commercial insurance policy, you’ll want to speed things along. Want a tip for speeding up the claim process? Slow it down! As public adjusters, we run into situations where the insurance company moves quickly… View More
Insurable Interest
June 28, 2022 12:59 pm Leave your thoughts An insurance policy is, at its core, a type of contract: it represents an agreement between two or more parties in which one party, the insured, pays a specific sum to the other, the insurer, in exchange for something of value. In the case of an insurance contract (or policy), that thing of value is… View More
Document Your Personal Property – It Will Help Your Insurance Claim
June 21, 2022 12:58 pm Leave your thoughts Here’s a scenario we see on a regular basis: A homeowner has a fire in their house. It spreads to several rooms, leaving only charred remains. Other rooms in the house are intact, but all of the personal property in those rooms is damaged – furniture, clothing, electronics, etc. – and needs to be replaced…. View More
Do You Know What a Cause & Origin Expert Does?
June 14, 2022 12:44 pm Leave your thoughts If you’re going through the insurance claims process after a property loss, you might encounter a “Cause and Origin” expert and wonder: “What role does this professional play in my claim?” Simply put, a Cause and Origin expert investigates the cause of a loss that has led to a policyholder filing an insurance claim. They… View More
Understanding Personal Property Holdback Claims
June 1, 2022 1:49 pm Leave your thoughts We get a lot of questions about Replacement Cost coverage and how the depreciation or “holdback” claims work, which can be a little hard to understand. So, we wanted to provide some explanation about this sometimes confusing area of insurance. Most insurance policies are typically written on a “Replacement Cost” basis. This means that for… View More