September 12, 2018 4:11 pmPublished by Diane Swerling
In my early days as a public adjuster, I worked with a grizzled old pro who was a leading flood adjuster. He once concisely explained to me the basic purpose of NFIP flood insurance: “The point is to get homeowners some relief – it’s not supposed to make you whole.” I’ve been thinking about that… View More
September 4, 2018 4:13 pmPublished by Swerling Milton Winnick
If you’re part of a business or a private ownership group, you might have a “commercial package” policy for your entity’s buildings. Unlike in a homeowner’s policy – which automatically contains a provision that covers the “replacement cost” of buildings, structures, or other property – your commercial package policy does not automatically include coverage for… View More
August 8, 2018 12:49 pmPublished by Swerling Milton Winnick
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
July 31, 2018 12:54 pmPublished by Swerling Milton Winnick
If a third party damages your property, the first thing you do is go to your homeowners or commercial insurance policy and check your coverage. Sometimes you will find that you are underinsured, and don’t have enough insurance to cover all your losses. What happens then? You look for a third party who may have… View More
July 23, 2018 1:03 pmPublished 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
July 16, 2018 1:10 pmPublished by Swerling Milton Winnick
In Part I of this two-part blog post, we learned about Joe and Maria, a husband-and-wife team who own Joe’s Pizza. Their pizza shop is a multi-generational family business that is beloved by its local community. When a catastrophic event breaks out, Joe and Maria face a reckoning familiar to many small business owners: do… View More
July 9, 2018 1:23 pmPublished by Swerling Milton Winnick
Does your town have a favorite pizza joint? Mine does. Let’s call it Joe’s Pizza. It’s a small, family-run operation that has been a valued local business for generations. Joe’s business has been in the same downtown location for 30 years. He and his wife Maria run the show, and have 6 or 7 hourly-wage… View More
June 20, 2018 1:37 pmPublished by Swerling Milton Winnick
Last week, the Swerling leadership team traveled to Hershey, PA to attend the 2018 National Association of Public Insurance Adjusters (NAPIA) Annual Meeting. This annual event is a terrific opportunity to connect with public adjusters from all over the country and discuss the priority areas for our industry. During the session, NAPIA general counsel Brian… View More
June 12, 2018 1:40 pmPublished by Swerling Milton Winnick
If your company does business in Massachusetts, you should double check your commercial property insurance policy in advance of next winter’s snowfall. According to a recent decision by the Mass. Superior Court, rooftop snow removal is NOT covered by commercial property insurance, and such policies typically apply only to damage or loss – not preventive… View More
May 24, 2018 1:43 pmPublished by Swerling Milton Winnick
Whether you’re a commercial business owner or a residential homeowner, your property needs protection. You want exactly the right insurance coverage to protect your assets against unexpected weather and other catastrophic events. How do you ensure that you have exactly the right coverage? In the first installment of this two-part blog post, we examined the… View More
