Swerling Milton Winnick specializes in adjusting buildings, contents, and loss of income claims to residential, condominium, and commercial property caused by fire, water, and storms. For over 100 years our mission has been to deliver superior client service and obtain fair settlements, which enable you to resume your normal business operations or lifestyle. Our adjusters have all passed rigid state examinations covering insurance law and building construction procedures. We are professionally licensed loss adjustment experts whose efforts are supported by state-of-the-art computer technology that facilitates rapid and accurate claim formulation.

Relying on Swerling Milton Winnick to resolve the issues related to your claim ensures that you have a professional advisor looking out for your best interest. While we function independent of your insurance company, we have years of experience working in concert with them on our clients' behalf. And our fee is only a small percentage of your insurance settlement.

SMW are loss specialists in the commercial, condominium, and residential areas [link to beginning of each section]. Below are services that will assist you should you suffer a loss.

COMMERCIAL, INDUSTRIAL, INSTITUTIONAL, REAL ESTATE:

• Prepare a detailed estimate of damages to the building and assess the impact of state and municipal codes, if applicable.
• Assess damage to inventory, machinery, equipment, furniture, and fixtures, and determine cost of improvements and betterments.
• Take into account business interruption losses: forecasts of sales and production, current and future pricing, as well as loss of rental income.
• Analyze policy coverage including valuation clauses and co-insurance.

Commercial:

If you have a commercial enterprise that sustains a loss, you face many considerations that not only influence the insurance claim, but also have potential long-term impact on its future prospects. You may be able to salvage merchandise or replace it entirely. 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 has extensive experience dealing with these types of coverages 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 its 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. SMW specializes in identifying the particular aspects of each loss and pursuing a settlement which addresses them accordingly.