Our Team

Executive Team

Chuck Howarth CPCU
Chuck Howarth CPCUPresident & Founder
Chuck Howarth (CPCU) is president and founding partner of The Howarth Group, an insurance claim consulting firm based just outside Nashville, Tennessee. Along with his business partner, Denis Rowe (AIC, SPPA, PCLS), they assist businesses and individuals throughout the Southeast in their property claims.

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.

Denis Rowe AIC, SPPA, PCLS
Denis Rowe AIC, SPPA, PCLSVice President & Partner
Mr. Denis Rowe AIC, SPPA, PCLS is Vice President and Partner in The Howarth Group. Denis has been involved on the policyholder’s side of the claim for over twenty years and he is a licensed Tennessee, Kentucky and Mississippi public adjuster. Having two devastating fires to his home when he was growing up gives him a unique perspective that fuels his drive to ensure that all victims of a property loss get what their policy entitles them to; no more than they are due, but certainly no less either.

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.

Dori Howarth
Dori HowarthPartner
Ms. Dori Howarth, a partner in the firm, has worked for the company for almost thirteen years. Besides managing the office she is also one of The Howarth Group’s most experienced estimators having travelled all over the southeast appraising the damage to property caused by fires, tornados, hailstorms and hurricanes.

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.

Claims Specialists

Hank Stoppelbein AIC, SPPA
Hank Stoppelbein AIC, SPPAVice President, Commercial Claims
Originally from Charlotte, NC Hank graduated from the University of North Carolina at Chapel Hill. Hank moved to the Nashville area in 1985 and helped start the Nashville Business Journal. Soon thereafter he began his work with Young Life Nashville (a non-denominational Christian outreach ministry to high school students). For thirteen years he served as Director of Development and Area Director. Soon afterward he began his career in property claims consulting working with a local public adjusting firm.

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.

Conor Rowe
Conor RoweClaims Specialist
Conor Rowe is a middle Tennessee native who has spent the entirety of his life in historic Franklin, TN. He graduated from the University of Tennessee, Chattanooga with Bachelor of Arts in History (with a minor in Roman and Greek Classics) and was on the dean’s list numerous times.

Upon graduation, he spent the following year and a half working full time at a local stone yard where he became a top sales assistant. His non-working hours during that period were devoted to getting trained on property insurance claims, which after two and a half years has allowed him to quickly become a very productive member of The Howarth Group team. At 28 years old he is one of the youngest licensed public adjusters in the state of Tennessee.

Conor’s outside interests include avidly following The Tennessee Volunteers (basketball and football), the Tennessee Titans, and the Kansas City Royals. When not playing fantasy sports he also enjoys hunting and traveling internationally with his wife Bernadette (their next trip is to Rome and Athens).

Inventory Specialists

Erin Rieley
Erin RieleyInventory Specialist
Erin Rieley has been an inventory specialist with the Howarth Group since 2009. She specializes in “total loss” inventories where the contents have to be re-created from memory. Her tried and true methods for helping our clients remember everything lost in a fire or tornado have been instrumental in helping her clients time and time again maximize the contents portion of their claims.

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.

Misti Staudt
Misti StaudtInventory Specialist
Misti Staudt hails from east Tennessee where she attended Lee University and the University of Tennessee. After moving to middle Tennessee in 1998, she worked in the real estate industry and within the public school system.

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.

Sarah Grandinetti
Sarah GrandinettiCommercial Inventory Specialist
Raised in southwest Florida, Sarah spent the early part of her professional career working for attorneys as a legal secretary. Looking for a change of scenery she and her husband (Arthur, a Public Adjuster and a senior estimator) moved to a little town in western KY in 2009. Shortly thereafter she and Arthur joined The Howarth Group with Sarah coming on board as an inventory specialist.

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.

Tamara Woof
Tamara WoofInventory Specialist
While Tamara Woof was born and raised in Southern Arizona, her love for travel has led her to live all over the US. However, in 2007 she found herself settling down in middle Tennessee and calling it home.

Her professional career has been involved in working in human resources and inventory management for a major retail company. She joined The Howarth Group because of her desire to help make a difference in the lives of people who have suffered a catastrophe.

Tamara prides herself on her hard work ethic and family values. She has three adult daughters and three grandchildren (that she loves reading stories to).

An animal lover at heart, after a hard day’s work she and her cat (“Bear”) enjoy watching wildlife pass through her backyard. As busy as life is, Tamara also finds time to volunteer for a local Nashville food pantry and when she goes on vacation you can usually find her down at the beach enjoying the sun, the sand, and the surf.