Tornado Damage? Don't Settle For Less Than You Are Owed!
Hear an actual tornado victim's experience...
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Conor Rowe is a terrific man, and words can’t express how very much I appreciate him for his kindness. I want to thank him for arming me with the information I needed, and for making me feel comfortable with the terminology in my policy.The fact that he took the time to help me with my claim even though he knew I would not be needing his services at the present time shows that he is an honorable man. Without a doubt in my mind his heart is in the right place and his focus is on doing what is right. God forbid I ever find myself in need of your services (again) I won’t hesitate to reach out – next time sooner! I will also share my feelings publicly to anyone else who might be in the market for a Public Adjuster!!!Thank youKristi Hendrix
Denis Rowe, at The Howarth Group, came to the rescue after a fire destroyed one of my properties in Nashville last year. I was into the rebuild over 15 months and it looked as though there would be a large deficit. A friend recommended Denis and it was the best call I could have made. His reassurance and expertise put me at ease and the project is on its way to completion without a hitch! I recommend Denis and The Howarth Group.
Conor Rowe is a God send literally!!I hope if you ever have a chance to meet him it is only on a personal basis, in other words I hope you NEVER need his services but if you find yourself in a situation where you do need his services DON'T HESITATE!!!!Our family home of 30 years was struck by lightening and burned in 2023. To say that this was one of the most devastating events of our life time would be true if we hadn't also found out within hours of our fire that our insurance company would not be a help but would actually end up being the catalyst that turned devastation into a nightmare. We just faced a soul crushing life event and now we faced the devastating news that we were actually underinsured. To add insult to our life altering injury the insurance company (being such a good neighbor) depreciated everything in our settlement offer, right down to depreciating the brick!! Now we were left to figure out how we could demolish and rebuild our home for less than $100/sq ft in Williamson County in 2023. Not having been through this before we had no idea what to expect, what steps to take or where to turn that's when we met Conor Rowe.For us Conor was an answer to our prayers. He offered explanations, advice, and assistance all in the name of human compassion. He never tried to pressure us into using his services in fact he even refused to take on our claim because he didn't want to take monies from us (as stated we are underinsured). HIs level of knowledge and expertise is invaluable and we have been overwhelmed by his generosity and his willingness to be of assistance. Again my hope is that you and your family never need his services but, I promise you will not regret doing business with him.
I had the pleasure of working with Denis from The Howarth Group on my home insurance claim, and I can't express how tremendously helpful he was throughout the entire process. Denis proved to be not only nice and dependable but also exceptionally knowledgeable about the intricacies of home insurance claims.His attention to detail was commendable, as he meticulously reviewed every aspect of my claim, leaving no stone unturned. Denis went above and beyond in providing me with valuable information, explaining each step of the process in a clear and concise manner. His expertise was evident, and I felt confident in his guidance.Denis didn't just handle the technical aspects of the claim; he also offered encouragement and support, making what could have been a stressful experience much more manageable. His positive attitude and willingness to assist were truly refreshing.In summary, my experience with Denis at The Howarth Group was outstanding. I would highly recommend his services to anyone in need of assistance with a home insurance claim. His professionalism, expertise, and genuine concern for clients make him an invaluable asset in navigating the often complex world of insurance.
Conner at THG was incredibly helpful with guidance and information concerning my insurance claim. Just having someone to ask questions of and give clarity on my next best step has been valuable and so very appreciated. Thanks again!!
I have known Hank Stoppelbein personally for many years but, fortunately, have never needed his professional expertise. That changed a few months ago. Our family suffered a devastating loss as a tree fell on our Green Hills home creating a very large insurance claim including temporary housing and a 6 month remodel. Hank was invaluable with advice and help as we navigated through the process with both our insurance company and our contractor. Hank's knowledge of the insurance industry was extremely helpful and beneficial for us as we negotiated a settlement with our insurance company. I could not recommend him and the Howarth Group any higher.
It gives me great pleasure to have the assistance from Denis on handling my insurance claim questions. Denis provided excellent guidance on how to navigate through claim issues. I recommend a call the Howarth Group for assistance. Howarth Group is a great resource that you will definitely need while working with the Insurance Company. Once again, thank you, Denis. You provided excellent customer service, something that is rare these days.
Our family suffered a total loss of our home in a fire and we were overwhelmed and perplexed by all of the forms our insurance company gave us to fill out. Even our family lawyer recommended we find an insurance expert, and that's exactly what we found in The Howarth Group - well-informed and experienced insurance experts. I cannot thank God enough for the wisdom, insight, patience and professionalism we experienced from Hank Stoppelbein, one of The Howarth Group's Public Adjusters. Hank waded through the weeds of our policy with us and gave us the understanding we needed to proceed with confidence. Having his help during this difficult time has been absolutely invaluable. I highly recommend both Hank and The Howarth Group.
I had a wonderful experience with the Howarth Group specifically Hank Stoppelbein. They made wading through our claims paperwork process so much easier and helped me to gain a better understanding of our policy and the settlement we should anticipate and request. Without the Howarth Groups knowledge and direction I would have missed so many things and gotten less than what was due. You cannot go wrong with the Howarth Group they are experts in their field and their help to us was invaluable.
We had a robbery at our property and after a friend told me about private adjusters and how they could help with insurance claims - I reached out to the Howarth Group. I can't say enough good things about my experience with this company - Conor and Jeannie were amazing. I would definitely recommend them to anyone needing assistance with insurance claims.
I had the pleasure to work with Connor Rowe. He was extremely knowledgeable and went out of his way to make sure I understood everything that what he was explaining. I will be happy to work with him again in the future. 10/10.
After having a total loss from a house fire last summer, our contractor recommended The Howarth Group to help with cataloging our lost contents. With the stress of the fire, finding a rental house, etc, the last thing we needed was to try to figure out the process and all that we lost. The Howarth Group was amazing and worth every penny. They helped us walk through the process and and it took so much of the stress off of us. Thank you !
It gives me great pleasure to write this review for the Howarth Group. Hank immediately called us back when we had left a message. He provided excellent guidance on how to navigate through our claim issues. Hank is knowledgeable and even took the time to draft a letter for us to send to our insurance company. Most Insurance Companies will not take the time to explain the terms and conditions of your policy. Hence, I recommend you call the Howarth Group for assistance. Howarth Group will be a great resource that you will definitely need while working with the Insurance Company. Once again, thank you, Hank! You provided excellent customer service, something that is rare these days.
Denis at the Franklin Howarth Group was a tremendous help to me in my homeowners' claim.! He is extremely knowledgeable and went above and beyond to assist me with my claim. I will definitely be using them again should I need help with another claim.
Meet with Connor after house fire-he seemed nice but didnt offer much advice or peace about helping me. so I went with another firm. due to his lack of knowledge after talking to a few other companies. He seems super young and very nice-however he didnt offer much help honestly- I did offer to hire him again later or his firm for dwelling sturcture but he doesnt work in that air so was no help- this business is tricky/ insurance claims are exhausting however hiring who you feel is best is the clients choice-not the adjustor-I did consider connor since he was nice but decided againist it when he text after hours with harsh hateful-crude remarks plsu continued to call and call when I ask him to give me time to breathe-$$$$ is the game -the way they respond after you hire them is about the same as how the insurance company treats you after a calim BEWARE!!! House fire is stressful enough and to think people will take advantage of the situtation is exhausting to say the lease! best to get refferals from other clients before you hie-and I can tell you that is the very reason Connort was not hired! not referrals given...enough said!
During the holidays, while out of town, I had a pipe burst in my kitchen. Returning home a week later my entire kitchen, pantry, living/dining room were affected. After filing my claim with my insurer, finding a public adjuster was suggested by a relative. Not knowing where to start I began calling various companies, when I reached The Howarth Group after leaving a message I received a prompt call back from Denis after business hours. Denis took the time to listen to my situation and give me helpful suggestions to navigate the overwhelming process of a being a claimant. Denis also connected me with Conner, their public adjuster, to schedule a walk through of the damage within my home. Conner came out, days after first speaking with Denis, explained a little more about what to expect when my insurer’s outside adjuster comes out to viewed my damage. Conner also explained the role of a public adjuster, and when to potentially retain their services. Mind you, all of this advice, walk through etc. there was no charge. Fast forward 6 weeks later, my insurer offers an amount to restore the damaged areas within the home. I reached out to Conner and ask if he felt it was fair and he kindly reviewed the outside adjusters report with me via phone. Conner not only took the time to explain various line items but he felt the amount offered was inline with market value. I felt a great sense of relief knowing that if my insurer did not make a “fair” offer I could easily retain the services of The Howarth Group to act on my behalf. As Conner felt the amount offered by the insurance company was fair, my need to retain his company services would not be needed. To say I’m impressed with The Howarth Group is an understatement! They were kind, knowledgeable, patient and accessible I HIGHLY recommend contacting them and using their services if needed.
I was fortunate enough to get a chance to work Conor Rowe of The Howarth Group.Conor was not only super helpful with all my insurance needs and issues, but his attention to detail was incredible.Conor was extremely thorough, thoughtful, and knowledgeable.I highly recommend Conor and his team at The Howarth Group for all your insurance claim consulting needs.
Calling The Howarth Group was the best thing I could have done. The professionalism and compassion I received from Dennis Rowe made my year. They are down to earth and have the knowledge and resources to help resolve insurance issues quickly. I highly recommend them.
Hank from The Howarth Group was very helpful and extremely gracious in providing me with advice and guidance with my insurance claim. His expert responses were prompt, professional, and enabled me to quickly resolve my insurance issue. Highly recommended.
Calling, The Hawarth Group, was the best thing I did after having a total loss home fire. Dealing with the insurance company was so overwhelming on top of everything else I had going on In life. Hank Stoppelbein and Jeanne was my life savers. They both was down to earth and made me feel very comfortable. Unlike the insurance agent that could have care less if I got paid anything and treated me like I was a inconvenience to him. I just wish I would have called them sooner. The Hawarth Group has made me seen that there is still company's that cares that insurance company's treat policy holder unfair and will fight for you. A Big Thank You for all you did for me.
When we lost our home in a devastating tornado we had no idea what steps we needed to take to rebuild our lives. Thankfully the people at The Howarth Group found me and helped my family through those tough times. The process of putting together a contents listing is a dirty, difficult, and time consuming task that I was dreading, and I know for a certainty that without their guidance we would not have been able to do the work necessary to ensure that we got paid our policy limits. Conor was always available to answer any questions I had about my loss which I greatly appreciated. I would not hesitate to recommend this company to anyone who reads this as I truly believe without their help we would have left tens of thousands of dollars in our carriers coffers for no other reason than we did not know what we were doing.
We had a house fire in October of 2021 and it was declared a total loss.Conner reached out respectfully a few days later and offered us assistance and insights, he answered the many questions we had regarding the insurance process. After several conversations with both Conner and the Insurance company, we realized that the process was something we were not prepared for or equipped to emotionally deal with. The task ahead of us was overwhelming. Conner and Amanda provided insights, assistance and helped us organize our thoughts and contents. Amanda patiently spent many hours with us as we reconstructed our loss and provided us an accurate account in an organized fashion that let us settle equitably with the insurance provider.You never expect to go through something like this, but we will forever be grateful to Connor and Amanda for helping us get through one of the hardest times in our lives.
The Howarth Group is an excellent resource when unfortunate accidents happen that cannot be prevented. They work endlessly to fight for your money from insurance companies that refuse to compensate you what you are owed. Highly recommend these guys if you run into unfortunate circumstances and your insurance company does not pay you what you’re owed.
After suffering through a devastating fire my family and I were at a loss as to how to move forward with putting together a contents list. Juggling managing a loss of this size while still having full time jobs, a family to look after, hobbies, and various other obligations we were unsure as to how to handle this immense task. Thankfully Conor Rowe from The Howarth Group reached out to us and offered expert assistance in this matter. After meeting with him my wife and I knew quickly that these were the people we wanted to work with in our time of need. Shortly after my meeting with Conor I met his coworker, Jeanne. Jeanne was a ROCK STAR when it came to compiling our contents listing. I truly believe that we would have left TENS OF THOUSANDS of dollars on the table had we not put our faith in Conor, Jeanne, and the rest of The Howarth Group. Our claim had a much more favorable outcome with their expert guidance and assistance. I cannot recommend this firm enough.
My house burned in April 2019. I had insurance, my insurance agent was trying to deal with me (in my time of devastation) like I was just plain ignorant, stupid, and dumb. Needless to say they didn't think that way when I got the insurance. When I was sitting at work feeling really down, I began to pray. I asked the Lord to put me on a path to a good person that could deal with this insurance agent. I was surfing the web and came across the Howarth Group in FranklinI called and Hank answered the phone. I started to explain my situation and all the things that was going on with my agent. I felt like no one wanted to help and everyone was on the insurance side regardless of their title and company name.Hank actually listened to all I had to say then he said" Debra, I'll help you". What's your address? Hank came to see the house. He talked to my husband and I. When Hank left I prayed to the Lord and I said I know you put Hank in my path like I asked Thank you Lord. Long story short, we got over and above (exceedingly and abundantly) Blessing. Our old house paid for the new house with more footage added. I would send everybody that need help to the Howarth Group. I have also told people that don't need help just to get the word out, you never know who is listening and will pass on the good information for help. I really thank you for all you do Hank.
July 5, 2022It was September and I was at work reeling from the fire that resulted in the total loss of our wonderful waterfront home . . . everything was gone! Hank Stoppelbein, whom I had never met, knocked on my office door, identified himself and his company’s purpose. As he explained, I began to realize that with his company’s expertise and experience they could make their required fees on items we never would have thought to list.As inane as it might sound, they literally itemized everything . . . from wash cloths, to pens, to toothpaste, and to bathroom tissue . . . to list a few crazy items we would have overlooked. My husband and I saw it was a win – win for both of us. Indeed it was!The exterior claim was easy, but the interior claims would have been another nightmare without Hank, Chuck Howarth, Sarah Granninetti, and the Howarth team! Three times our insurance company “offered much lower pay outs” than what we submitted. Through us, Howarth kept advising, rejecting, and accepting adjustment matters. One example was an initial contents submission of $230,000. The insurance company countered with either $70,000 or $120,000 (I forgot the exact amount). After at least two more attempted settlements, we received almost the entire amount requested.One painting, without a known authentic appraised value, was submitted by us for $100,000. It was initially rejected. But with Howarth’s help and an appraisal by a recognized art gallery, the settlement was $80,000. An antique sugar chest was valued by us at over $10,000. The insurance company questioned that amount, but with Howarth’s assistance, the $10,000 was accepted.Obviously one can realize the appreciation of my husband and me for the efforts of this company. Howarth well earned their fee and helped us realize far more money than we would have received by ourselves . . . from towels, pantry supplies, laundry detergent, to a painting and an antique sugar chest. While losing our dream house and generations of heirlooms and antiques was traumatic, it made all the difference in the world to have such strong and effective advocates!Submitted by Gerald and Lydia Grubb
Conor and his team were amazing to work with. Very professional and did all the work for me during the most stressful time of my life. They handled everything and were very knowledgeable. I highly recommend this company. I can't say enough good things about The Howarth Group!!
When our 4th generation home burned, Farm Bureau paperwork made it next to impossible to understand and complete, especially when we worked full time and lived miles away. Hank stepped in from the Howarth Group after I called. Hank was courteous, professional and explained everything we needed to do. He had Jeannie help us sift through rubble and debris to complete an inventory of well over 1200 items that was in the home when it burned. Additionaly, when it came to the structure Farm Bureau sent their contractor who way underestimated the costs for rebuild when the home had been declared a total loss. I called Hank and Howarth handled it with the proper appraisal. As a result of the professional representation from the Howarth Group we received the maximum settlement from the insurance Company. Without Howarth we would have lost so much more that would have been kept by big corporate insurance. Howarth is the most compassionate,courteous, knowledgeable and professional firm for dealing with insurance companies especially in a time of loss when things are difficult to deal with. I pray I have no more tragedies but if do, I know who to call. To anyone reading this review, I hope you call them as well, you won't regret it!
Thanks to Chuck Howarth we were able to rebuild our home. Our house was hit my the 2020 tornado and we were devasted. Chuck was great. With his expertise staff and prompt attention, we were able to finally come back home. Forever thankful to The Howarth Group.Denise & Howard Sales
Conor Rowe came by our home after the fire and we were pretty devastated and just did not know where to turn. The home owners insurance were pretty cold and treating us like we had set the fire, it was very upsetting to say the least. Conor was both empathic and sympathetic to our plight. We decided to let the Howarth Group help us after the insurance made us a settlement offer of not even enough to get started to rebuild. They allowed us to get as far as we could with the insurance and then took the reins of the settlement process. We absolutely could not be happier with the results. They were able to get us a payment 5 times what the homeowners insurance wanted to pay! Needless to say, we HIGHLY recommend this company to anyone who finds their selves in the unenviable position of having to rebuild after a devastating fire. They exhibited the highest level of ethics and did not let the insurance take advantage of us in the slightest! We felt like we were very well protected and represented by experts that knew what they were doing. We have had very few home owners claims and so were totally unprepared to deal with this. You cannot go wrong with the Chuck Howarth and his entire team!!!
We found The Howarth Group effective, experienced. competent and capable advocates for us after a terrible and catastrophic wildfire destroyed our home. The agents were fast, responsible, knowledgeable, supportive, honest and straight forward. Their work made it possible to rebuild and refurnish our home. They provided excellent counsel and service.WE HIGHLY RECOMMEND and wholeheartedly urge others to enlist their services.
This group is the best in business! they helped me with a loss I had when my insurance company wasn't going to pay the amount needed to recover, Hank and the group made sure I was paid the full amount. So thankful for all the work you guys do.Teresa Grigsby
Chuck and Dori Howarth have helped me on multiple property claims, they are hands down the best in the business! Very detail oriented and extremely knowledgeable about the claims process. I would highly recommend using them if you need help with a claim!
Will take projects knowing they shouldn’t. Worst part was the appraiser that came to appraisal had NEVER been to site of loss personally prior to that! They can’t prepare scopes in house, they have to rely on contractors. For what they provide your better off hiring a full working large PA firm or for their hourly/% rates, just get an attorney. Their end result typically is litigation it seems anyhow. **Nightmare**
I cannot say enough good about these folks. They helped me quickly come to a favorable resolution with my insurance company with a single phone call. Through Conor Rowe's advice I was able to settle the claim for an amount significantly higher than the original offer. Highly recommended, A+
Wish I could say I had a good experience like the other reviewers but sadly that was not the case. We lost our home to a house fire in Nov of 2018 and lost everything. When it came to doing our inventory I was completely overwhelmed and stressed and looked into Private Adjusters for help. I found the Howarth Group and it started as a great relationship full of promise and promises but fell way short in fulfilling most of those. I was told they would take all my stress away and would get us more money than our contents limit. Looking back I see that I was to blame for the inventory that got sent in to my insurance company without looking at each item and the prices they gave them. But at the time I was so frustrated with the girl they had researching our items because she missed alot of our items and I had to do her job for her and with my husband telling me to forget them and just send in what we had, I finally threw up my hands and did just that. If I'd looked closer 8nstead of putting my total faith in them I would've seen that a lot of our items were way overpriced. We received a letter from our insurance company asking for more information on 15 items that were big ticket items but not at the prices she put down. They were so exaggerated and overblown that I knew then I was wrong not to look at each item and wrong to put my faith in the Howarth Group. Once I sent them links to those 15 items and my prices compared to theirs were greatly different I then knew I could not send in the correct prices and not expect them to accuse me of insurance fraud. It was at that point that Hank, who I'd dealt with from day one all of a sudden I was told from then on I'd be dealing with the President of the company Mr. Chuck Howarth. 9nce I told him there was no way I was going to send in my prices because of the price difference unless he could tell me what to say when asked about the difference which he never did. Me and Chuck did nothing but argue and the more I tried to explain that the girl hadn't done her job he refused to listen and threatened me with an attorney if I didn't pay them for what they'd done already. I didn't feel they deserved it but ended up paying them just to be rid of them and finish the inventory myself which I should've done to begin with. I do not recommend these people who only told me what I wanted to hear then didn't do what they said they would.
To whom it may concern,I had the very good fortune and distinct pleasure of speaking with Mr Connor Rowe today. Connor is indeed exceptionally well versed on a professional level, yet plainly conversational on a level that puts the average person at ease. He graciously shared an adequate amount time with me such that my concern is now just a manageable problem. His advice will no doubt prove instrumental and has put my mind at ease.With sincere thanks & appreciation,Joe D. (tornado victim)Mount Juliet, TennesseeSent from my iPhone
The Howarth Group prepared estimates of the current value of personal property that we lost in a 2017 house fire. Dori Howarth prepared those estimates. Although many of the items lost were antiques and difficult to value, Dori was up to the task. The most impressive part of the service was THG's ability to value these difficult items in a manner that was acceptable to the insurance company. All three people that we dealt with at THG were both capable and responsive. I would recommend THG to others who have similar insurance-related needs.
Denis Rowe with the Howarth Group was a pleasure to work with after our homeowners insurance claim was denied. He helped us every step of the way to ensure we received a fair settlement. I would definitely recommend anyone involved in an insurance dispute give these folks a call!
You guys were a "lifesaver" to us. At the time we did not even realize the extent of how much knowledge you could provide in addition to all the work you did while listing and pricing our very large contents claim. If you ever have a client who is "not sure about coming on board" or would like to talk with one of us, we would be happy to speak with them. We have told numerous friends and colleagues about your services and have nothing but positive things to express. I totally remember you "coaching" me for the EUO, which I feel I nailed!!- Nancy and Scott, Knoxville, TN
Denis Rowe with the Howarth Group was a pleasure to work with after our homeowners insurance claim was denied. He helped us every step of the way to ensure we received a fair settlement. I would definitely recommend anyone involved in an insurance dispute give these folks a call!
Denis Rowe took my phone call without hesitation, and was extremely knowledgeable. Without having all the specifics of my claim, he was able to educate me on concerns I had dealing with payment issues between my Insurer and Contractor. I'm very thankful for the information he shared with me - I only wish that I were aware of The Howarth Group at the time my damage actually occurred. Thank you again for taking my call!
We have nothing but great reports to say about the Howarth group. At first we were skeptical thinking that we might lose by having to give a percentage of our losses. But it was totally the opposite we gained much more because they were so thorough and helping us make lists and research all the different items. They were truly interested in our problem. We lost everything and it was such a hard thing to go through but they made it so much better! They researched our insurance policy and told us things that we didn't even know about! Everyone was so helpful and I would recommend their services to everyone and anyone We feel privileged to remain friends with Bruce Bodor and Dennis Rowe!!
I cannot express the appreciation and respect I have for the Howarth Group. My husband and I lost everything in a house fire in April 2014. My husband was terminally ill, and we lost all of his equipment, oxygen supplies, and medicine. The Howarth Group got us thru the devastation we were facing with the utmost professionalism, understanding, and care. Without the outstanding work of this Group, we would not have had the spirit to fight for what was rightfully ours to begin with. My husband passed on October 19 of this year. The group was caring enough to send flowers to me even though they had already settled my claim! I dont have the words to say how thankful and appreciative I am personally for this AMAZING, DILLIGENT, and PROFESSIONAL Group!
The Howarth Group described in one word is AWESOME! Had it not been for Chuck Howarth and his excellent group of professionals, I would not have gotten anywhere near the settlement from my insurance that I got with them handling my settlement. These folks are the "Real Deal"!!! Please do yourself a favor and do not try to take on these big insurance companies by yourself! Trust me, you do not stand a chance. The Howarth Group are the professionals that do this every single day and know how to deal with insurance companies. Thank God I chose these folks to watch my back! Thank you Chuck, Shane, Beth and the entire group for giving me and my family our lives back!!!
Simply stated: our public insurance adjusters clients keep 100% of what the insurance company initially offers them and we are compensated on only a small percentage of the additional monies we get for them.