Mr. Howarth has almost 35 years of experience in the insurance claims adjusting business. He started out working for State Farm and advanced to a management position responsible for training their claims adjusters. After almost ten years of learning the claims business from the inside at State Farm, Mr. Howarth decided that he would be much happier using the knowledge he gained to help policyholders navigate through the difficult claims process. He has been advocating for policyholders ever since.
Mr. Howarth is a licensed Kentucky, Mississippi and Tennessee public adjuster (along with several other southeastern states) and has acted as the insured’s Appraiser in the Appraisal process over a thousand times. Utilizing the “appraisal provision” has been a particularly effective tool for resolving claims in almost every state, especially Alabama. (See “Appraisal”).
Besides being a Rule-31 Supreme Court approved mediator in Tennessee, Mr. Howarth also has his AINS and CPCU degree from the Insurance Institute of America (now more commonly referred to as The Institute). He has been a Chartered Property and Casualty Underwriter since the mid 1980’s and is recognized as a qualified expert in insurance claims, having testified in numerous property loss cases in state and federal courts throughout the southeast.
Mr. Howarth has also served on the Board of Directors of the National Association of Public Insurance Adjusters (NAPIA) and is past president of both the Tennessee and Florida Association of Public Insurance Adjusters.
Mr. Howarth is originally from Florida and his wife of 38 years (Ann) is from North Carolina. They have four children ranging in age from 7 to 35 (Mark, Dori, Amy and Maddix). They are both active members of Long Hollow Baptist Church. He and his wife Ann served as directors of The Royal Family Kid’s Camp in middle Tennessee, a weeklong summer camp designed specifically for abused and neglected kids between the ages of 7 and 11. He is also a very experienced pilot and enjoys a round of golf whenever possible.
He has earned the Associate in Claims, Senior Professional Public Adjuster and the Property Claims Law Specialist designations and spends a considerable portion of his time analyzing policies, estimates and engineer’s reports to determine the equitableness of insurance company offers.
Mr. Rowe and his wife of 30 years (Nancy) reside in Franklin, TN. They have two sons, Colin and Conor, who hope to work in the business one day. When not working on property claims Mr. Rowe is an active member of his church, a booster for Pearl Cohn High School in Nashville and a frequent volunteer (as a Supervisor On Sight) for Habitat for Humanity. An avid reader his other outside interests include rooting for the University of Tennessee football team, hunting and playing golf.
She is in the process of obtaining her Associate in Claims designation (AIC). She loves pizza, salsa dancing, college football, scuba diving and the beach. She is the owner of the official company mascot, a tiny Australian shepherd named Bay.
Dutifully impressed he joined the Howarth Group in 2008 and began to use his personal experience to help other property owners with their insurance claims. Like many others with the firm Mr. Bodor has also achieved the AIC (Associate in Claims) and SPPA (Senior Professional Public Adjuster) designations from the Insurance Institute of America putting him in the top 1% of all in our industry.
One of his hobbies is freelancing for various sports broadcasting venues as an audio engineer. He and his team members were awarded a Sports Emmy Award for the 1986 World Series with NBC and another one in 2010 for “Golf on CBS”.
Mr. Bodor is a board member of Life Care Foundations and former board member of Veterans Restoration Ministry in Nashville. Bruce and his wife, Jill, reside in Columbia, Tennessee and have 8 children between them.
His rich understanding of residential and commercial claims for almost twenty years is born out of hands-on experience and continuing education. Like others within the company, Hank has earned his AIC (Associate in Claims) and SPPA (Senior Professional Public Adjuster) credentials, thereby placing him in the top 1% of all public adjusters nationwide.
Hank spends his “downtime” with his wife Merrill and their four beautiful teenage daughters at their home in Franklin, Tennessee. He and Merrill are active supporters of the local chapter of YoungLife and they all attend CrossPointe Church in Nashville. Besides being an avid North Carolina Tarheel fan Hank also enjoys playing golf and reading political thrillers and military history.
Upon graduation, he spent the following year and a half working full time at a local stone yard where he became the number one sales assistant. His non-working hours during that period were devoted to getting trained on property insurance claims, which allowed him to quickly become a very productive member of The Howarth Group team once he joined the firm.
Conor’s outside interests include avidly following The Tennessee Volunteers, the Tennessee Titans, and the Kansas City Royals. When not playing fantasy sports he also enjoys hunting and traveling internationally with his longtime girlfriend (their next trip is to Iceland).
Shane’s primary focus with the company involves commercial roof claims in the middle Tennessee area. His innate interest in building and architecture has led to numerous experiences in the construction industry including most recently as a owner/contractor in his own design and build company. Currently, he is pursuing his AIC (Associate in Claims) credential from The Insurance Institutes of America.
When not helping people with their insurance claims, he, his wife Abby, and their three young children enjoy spending time together as a family. He is a member of Immanuel Church Nashville and is a lifelong St. Louis Cardinals and Chicago Bears fan.
Additionally, Arthur is unique in that he has handled claims for insurance companies as an Independent Adjuster (IA) for two firms out of Florida: AAA Claims Service and Aplin, Peer & Associates. Being a former IA has given him a rare view and insight as to what goes on behind closed doors in the claims department of many property insurers.
Like his wife, Sarah (one of our Inventory Specialists) he enjoys spending what vacation time he has with their three children at the beach, but more importantly under the water. He enjoys Scuba diving and has attained three different levels of Scuba certifications plus certifications as an EMT and a DMT (Diver Medical Technician).
The daughter of a preacher and school teacher, Erin is originally from central Illinois but has been in Tennessee since 2001 and considers it home. After being named National Honor Society President in high school, she then proceeded to graduate Magna Cum Laude from Freed Hardeman University where she studied History and Psychology.
Erin and her husband, Dave, have one child (a cute kitty named Maxwell) and live in Brentwood, TN. Erin enjoys spending time with her family, rooting for the University of Illinois basketball team, traveling, live music, and great food.
With a desire to spend more time with her family and create a better work-life balance, Beth left the staffing industry and joined The Howarth Group in 2013. With more than fifty claims under her belt, Beth will tell you that meeting new families and assisting them during their time of loss, is what she enjoys most about her work.
When she’s not working, you can find Beth spending time with her husband Chad, (whom she met in first grade), and their twin daughters, Lilly and Madeline. Beth and her family enjoy traveling, spending time with their extended family, boating, camping, and anything else that will get them outdoors and moving. Beth and her family currently reside in Mt. Juliet, TN.
Seeking a career change that was a better fit for her personality Misti joined The Howarth Group. She is compassionate and dedicated to our clients and gets high marks from them all the time. She feels that helping families through one of the most difficult seasons of their lives is its own reward and one that meshes with her desire to give back to her community.
Misti and her husband, Chris, live in Murfreesboro, Tennessee with their three sons. They love the University of Tennessee football program, spending time outdoors, playing music, and taking the boys to new and different places.
As a woman of faith she particularly finds joy in helping the families victimized by a fire or tornado piece their lives back together. Being a mother of three (Logan, Emily and Mia) she understands the need and importance for the “woman of the house”, after a catastrophe, to bring a sense of stability and normalcy to her family. To that end Sarah does her best to free “mom” up by handling all the inventorying of the contents, and for her efforts, we are always getting comments referencing her professionalism and compassion. As one of our senior inventory specialist’s she has also developed a niche in handling commercial inventory claims.
Sarah loves cats and when she is away from work she enjoys cooking, baking and reading. When on vacation you can almost assuredly find her with her “toes in the sand” listening to music.