Mr. Howarth has almost forty years of experience in property insurance claims. He started out working for State Farm and soon advanced to a management position responsible for training their claims adjusters. After almost ten years of learning the claims business from the inside, Mr. Howarth decided that he would be much happier using the knowledge he gained to help policyholders navigate through the difficult claims process. He’s now been assisting property owners as a public adjuster for almost four decades. Additionally, Mr. Howarth has been an Appraiser for twenty-five years and has found that utilizing the “Appraisal” provision has been a wonderfully effective tool for resolving claim damage disputes, particularly in Alabama where public adjusters are not licensed.
Besides being a Rule-31 Supreme Court approved mediator in Tennessee, Mr. Howarth is also a WIND Certified Appraiser. He has been a Chartered Property & Casualty Underwriter (CPCU) since the mid-1980s and is recognized as a qualified expert in property insurance claims, having testified in hundreds of property loss cases in state and federal courts throughout the Southeast.
Mr. Howarth has 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 Associations of Public Insurance Adjusters.
Mr. Howarth is originally from Florida and his wife of forty-two years (Ann) is from North Carolina. They have four children ranging in age from 10 to 38 (Mark, Dori, Amy, and Maddix) and two grandchildren. 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. Mr. Howarth is a very experienced pilot (with almost 2,000 hours logged) and enjoys a round of golf whenever possible.
Growing up in Kansas with his eight brothers and sisters his family had two devastating fires to their home. That experience gave him a unique perspective that today fuels his drive to ensure that all victims of a property loss get a fair and full settlement.
He has earned the following designations:
Associate in Claims (AIC)
Senior Professional Public Adjuster (SPPA)
Property Claims Law Specialist (PCLS)
Mr. Rowe spends a considerable amount of time utilizing his accumulated knowledge reviewing estimates, policies, declaration pages and engineer reports.
Mr. Rowe and his wife of 34 years (Nancy) reside in Franklin, TN. They have two sons, Colin and Conor (who works with the company) plus a new daughter-in-law (Bernadette). When not working Mr. Rowe is an active member of his church (with a particular interest in missionary work in Africa and India), a booster for Pearl Cohn High School in Nashville and past treasurer for the Tennessee Chapter for Ducks Unlimited. An avid reader his other interests are rooting for the University of Tennessee football and basketball program 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 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).
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.
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.
Amanda has a background working in the behavioral health field. Knowing she wanted to work with people and help them through difficult times, she found The Howarth Group.
Amanda and her husband (Brad) live in a rural area just outside of Arrington, TN. When she’s not taking care of their four dogs (Diesel, Leo, Gunner, and Havoc), she and Brad love to travel outside of the United States. Among the places their travels have taken them have been Italy, Greece, and Australia.
When at home she is an avid reader and enjoys hiking around the hills and woods of middle Tennessee.