Commercial:
A commercial enterprise which sustains a loss is faced with many considerations which may not only influence the insurance claim, but which also may have long-term impact on its future prospects. Merchandise may be salvable or it may need to be entirely replaced. Replacement may be difficult, costly, or cause disruption to the marketability of seasonal items. Retail and wholesale establishments also contain furniture, fixtures, improvements, and expendable items, such as supplies and small tools, all of which may be damaged in addition to inventory. Coverage may be premised on a commercial property form or reporting form which requires a monthly statement of values. Swerling Milton Winnick is especially conversant with the coverage utilized and applying them to the damages sustained.

Industrial:
Industrial or manufacturing losses may involve damage to machinery and equipment, as well as to finished inventory and goods-in-process. An analysis of the damage must include a cost evaluation of the inventory, with reference to past and current pricing of materials, labor and overhead, and the identification of appropriate cost components of the goods-in-process. Forecasts of production and the associated sales value of that production, as well as actual or hypothetical ongoing costs of doing business, must be compiled to substantiate a business interruption claim.

Institutional:
Museums, schools, religious institutions and libraries pose unique problems in the adjustment of an insurance claim. At the center of concern are the questions of the ongoing viability of the institution and the diminution in the value of it's property. It is particularly difficult to remove all evidence of damage from the property involved - books, antiquities, rare treasures - and adequate compensation is difficult to measure due to the nature of the damaged articles. Swerling Milton Winnick brings an acute eye to all the potential elements of the loss, damage or destruction of such property, drawing on a rich background of experience with these types of claims.

Real Estate:
Owners of large amounts of real estate (office complexes, apartment buildings, and commercial properties) have a greater that average exposure to risk of damage from fire, water or other disaster. Building occupancy, construction, and type of insurance coverage contribute to the nature and size of the claim. Claims may involve loss of rental income, damage to building components, delay and disruption of construction in progress, and may be affected by current building codes. SWM specializes in identifying the particular aspects of each loss and pursuing a settlement which addresses them accordingly.

Residential:
In a residential claim, SMW goes beyond the usual approach to inventorying household items, clothing, and furnishing's. It has access to reputable experts to price valuable articles such as antiques and works of art, and to provide guidance on the restoration and rehabilitation of these items. SMW will prepare a complete compilation of additional living expenses incurred as a result of the loss. The dwelling damage is approached with particular attention to the unusual details of construction that may be in place and a claim structured which accounts for the special trades needed to restore them.