November 8, 2019 2:28 pmPublished by Swerling Milton Winnick
The SMW team took a fun night out last month to “Raise the Woof” and party with our closest two-legged and four-legged friends at the MSPCA-Angell annual gala for animals in need. Held on October 17 at Cyclorama in the Boston Center for the Arts, we were also psyched to honor the Boston Bruins Foundation… View More
November 1, 2019 3:05 pmPublished by Swerling Milton Winnick
November is ‘Condominium Month’ here at SMW! So, pull out your condo insurance policies and prepare to learn everything you’ve ever wanted to learn about this important topic. At SMW, we know condos. Over the past 40 years, we have worked hard to earn our reputation as the premier condominium insurance adjusting firm in New… View More
November 1, 2019 3:00 pmPublished by Swerling Milton Winnick
In this installment of our “Condo Month” series, we want to address the one predominant problem that we run into most often: a lack of adequate coverage for the unit owners. How can this be? Well, most unit owners have purchased insurance to cover their personal property and loss of use of their unit. But… View More
October 29, 2019 3:27 pmPublished by Swerling Milton Winnick
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
October 22, 2019 3:40 pmPublished by Swerling Milton Winnick
Do you understand Improvements & Betterments (I&B) coverage? If the answer is no, don’t feel bad. Many insurance industry professionals don’t either! And certainly, many policyholders are totally in the dark on this hard-to-grasp area of insurance. Quite simply, I&B is one of the most difficult coverages to understand – for insurers, insureds, agents and… View More
October 22, 2019 3:29 pmPublished by Swerling Milton Winnick
Earlier this month, the SMW team got all gussied up and headed into town for one of our favorite annual events: the RHA Expo 2019. Hosted by the Rental Housing Association (RHA), a Mass.-based trade association representing owners and managers of more than 150,000 units across the state, the RHA Expo is a great chance… View More
October 15, 2019 3:43 pmPublished by Swerling Milton Winnick
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
October 8, 2019 3:46 pmPublished by Swerling Milton Winnick
As public adjusters, we regularly see homeowners who have a home office or workshop where they might undertake small side projects to augment their income. These workshops might be in their basement or in their garage, and contain tools, supplies or electronics that the homeowner owns and uses to work on such projects. This is… View More
October 1, 2019 4:22 pmPublished by Swerling Milton Winnick
In my work as a public adjuster, I am continuously reminded of the numerous advantages homeowners and business owners get when they engage with a local insurance agent. If you suffer a major property loss, there is simply no replacing the personalized attention and service you get from a local agent. The big national players… View More
September 24, 2019 4:33 pmPublished by Swerling Milton Winnick
When your property suffers a loss, you enter the insurance and property loss marketplace to pursue your claim. This world is filled with professionals who provide wide-ranging services, many of which you need. How to choose? In Part 1 of this “Vetting the Vendors” series , we looked at board-up companies and restoration services. Now let’s… View More
