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.
His rich understanding of residential and commercial claims for almost twenty years is born out of hands-on experience and continuing education. Hank realizes that our clients are typically overwhelmed with the claims process and so he will spend whatever time is necessary to make sure they receive all the benefits their policy affords them. Hank has earned his AIC (Associate in Claims) and SPPA (Senior Professional Public Adjuster) credentials, thereby placing him in the top 1% of all adjusters nationwide.
He spends his“down time” with his wife Merrill and their four daughters at their home in Franklin, Tennessee. Hank and Merrill both continue on as active supporters of Young Life. Their home is always full of teenagers in need of a coke, a pizza or some timely advice. When time permits you can find Hank enjoying a round of golf, writing songs, playing guitar and pulling for the Tar Heels.
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).
Having been a broker for several national insurance companies she brings a unique perspective. Tori was frequently involving herself in claims when her clients weren’t being treated fairly and, as a consequence learned the value of having an advocate on the policyholder’s side of the claim.
When not helping her residential and commercial clients, Tori’s time is taken up with her 3 children and their rescue dog (Jaxon). On any given weekend, you can normally find the five of them having “fun in the sun” close to any type of water. She is also an avid writer and travels every chance she gets.
Mike’s servant heart led him to take his church’s youth group to Mississippi after Hurricane Katrina to bring supplies, support, and relief to local families. He was so taken aback by the devastation that he volunteered to stay another month to personally coordinate his church’s continued relief efforts.
It is this same passion for helping others that motivates Mike to serve families and businesses in the southeast as they navigate their way through the myriad number questions and obstacles associated with their property insurance claims. As a former successful small business owner, Mike brings a unique perspective and aptitude to our clients as he helps them recover financially from their loss while also helping them see the “bigger picture”.
When not helping policyholders, Mike has a music ministry. He goes to children’s hospitals, Wounded Warrior Project events and church events to both sing and entertain. He is a member of the American Legion, the Harley Owners Group and is a proud dad of three and grandfather to one.
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.
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.