Nashville Tornado Update – Part 1

By |2020-05-01T16:28:27-05:00May 1st, 2020|Uncategorized|

Early Stage of Filing Insurance Claim” What Should You Do (and What you Should NOT Do) March 3, 2020 will be remembered for a long time to those living in middle Tennessee for the devastating tornado that swept through the area. There will be a lot of people who will be filing claims. It is [...]

Comments Off on Nashville Tornado Update – Part 1

When To Hire A Public Adjuster – The Answer Might Surprise You

By |2019-05-02T20:17:03-05:00December 12th, 2018|Uncategorized|

The Howarth Group's V.P. Denis Rowe Explains Why Hiring A Public Adjuster Early On Could Hurt You. Hi. My name is Denis Rowe. I am Vice President and a partner with The Howarth Group here in downtown Franklin, TN. We have been helping property owners for almost 35 [...]

Comments Off on When To Hire A Public Adjuster – The Answer Might Surprise You

Hurricane Michael – Public Adjusters Offer No-Cost Claim Evaluation To Business Owners

By |2018-11-19T19:18:04-06:00November 19th, 2018|Uncategorized|

In the wake of hurricane Michael, many business owners are finding themselves with damaged and near destroyed businesses. The weight of maintaining operations and retaining customers is heavy enough without the addition of handling an insurance claim. Also, many business owners admittedly lack the time and knowledge to properly handle the process of their claims. [...]

Comments Off on Hurricane Michael – Public Adjusters Offer No-Cost Claim Evaluation To Business Owners

Is Your Home Based Business Covered?

By |2018-10-22T08:08:47-05:00October 22nd, 2018|Uncategorized|

Four Questions About Insuring A Home-Based Business   According to the U.S. Small Business Administration, “more than half of all U.S. businesses are based out of an owner’s home.” There are many benefits of home-based business including reduced overhead costs, schedule flexibility and eliminating a commute. Entrepreneurs in nearly every industry are taking advantage of the [...]

Comments Off on Is Your Home Based Business Covered?

Water Damage – An Underestimated Threat

By |2020-03-13T16:49:57-05:00September 26th, 2018|Uncategorized|

Water Damage – An Underestimated Threat   It Can Happen to Anyone Due to the heavy rainfall in the Southeastern US recently, we felt it wise to inform our friends and neighbors about water damage. Bear in mind, water damage is not always the result of heavy rain, flooding, or hurricanes. Significant water damages often [...]

Comments Off on Water Damage – An Underestimated Threat

When Your Insurance Company Offers an Insufficient Settlement

By |2020-03-13T16:50:09-05:00September 4th, 2018|Uncategorized|

When Your Insurance Company Offers an Insufficient Settlement Today’s consumers take every precaution available when it comes to their investments. Whether it’s their health, home, automobile, recreational vehicles, or even their pet’s health, consumers are purchasing insurance and in that, what they believe to be “Peace of Mind.” However, there are instances where a [...]

Comments Off on When Your Insurance Company Offers an Insufficient Settlement

What Happens Next? Why The Delays? Part II

By |2015-12-28T17:27:13-06:00December 4th, 2015|Uncategorized|

What's Next? Why The Delays? If the staff adjuster who shows up at the site is not qualified or otherwise unavailable to write an estimate, he/she will set up a time for an estimator to come out and take all of the necessary measurements and photos. It won’t be necessary for you to be at [...]

Comments Off on What Happens Next? Why The Delays? Part II

Tennessee Public Adjusters and the Law

By |2017-05-04T15:43:28-05:00November 10th, 2015|Uncategorized|

In life, there are two sides to everything; political opinions, lawsuits, or even simple disagreements as to who is the better basketball player – Michael Jordan or Lebron James. Property insurance claims are no different: on one side, there’s the insurance company, who writes a check to pay for damage to property covered by one [...]

Comments Off on Tennessee Public Adjusters and the Law

Mistake #5: 5 Common Mistakes made by Policyholder after a Loss

By |2017-05-04T15:43:28-05:00April 29th, 2014|Uncategorized|

Mistake #5: 5 Common Mistakes made by Policyholder after a Loss If you missed it, look back at mistake #4. Mistake #5. It’s understandable that, initially, a property owner is going to be “back on their heels” and a little disorganized after a major loss. A major fire or tornado is not something you really [...]

Comments Off on Mistake #5: 5 Common Mistakes made by Policyholder after a Loss

Mistake #4: 5 Common Mistakes made by Policyholders after a Loss

By |2017-05-04T15:43:28-05:00April 23rd, 2014|Uncategorized|

Mistake #4: 5 Common Mistakes made by Policyholders after a Loss If you missed it, look back at mistake #3. Mistake #4. One of the biggest errors I see policyholders make is that they never document the conversations they have with the adjuster. There is nothing wrong with meeting with the adjuster or talking to [...]

Comments Off on Mistake #4: 5 Common Mistakes made by Policyholders after a Loss

Mistake #3: 5 Common Mistakes made by Policyholders after a Loss

By |2017-05-04T15:43:29-05:00April 15th, 2014|Uncategorized|

Mistake #3: 5 Common Mistakes made by Policyholders after a Loss If you missed it, look back at mistake #2. Mistake #3. The formidable task of listing all of the personal property lost in a fire or tornado takes a lot of time and focus to do it right. My observation over the years as [...]

Comments Off on Mistake #3: 5 Common Mistakes made by Policyholders after a Loss

Mistake #2: 5 Common Mistakes made by Policyholders after a Loss

By |2018-07-04T05:55:56-05:00April 7th, 2014|Uncategorized|

Mistake #2: 5 Common Mistakes made by Policyholders after a Loss If you missed it, look back at mistake #1. Mistake #2. It’s the insurer’s responsibility to put together an estimate that reflects what it will cost to repair or rebuild your home. Let them give you their estimate before you show them any bids [...]

Comments Off on Mistake #2: 5 Common Mistakes made by Policyholders after a Loss

5 Common Mistakes made by Policyholders after a Loss

By |2017-05-04T15:43:29-05:00April 1st, 2014|Uncategorized|

5 Common Mistakes made by Policyholders after a Loss After a fire or tornado has damaged your home there seems like an endless list of things that need your time and attention. The sheer number of items that need to be addressed (along with the unfamiliarity of a large insurance claim) often lead the insured [...]

Comments Off on 5 Common Mistakes made by Policyholders after a Loss

The Psychology of a Claim (Part I)

By |2019-06-10T13:13:52-05:00December 18th, 2011|Uncategorized|

The Psychology of a Claim (Part I) After a major loss, most people experience many of the same emotions they would expect were it a death in the family instead. They feel a sense of disbelief, denial, fear, anger, resignation, and depression. In all their emotions, they never count on one thing that frequently happens; [...]

Comments Off on The Psychology of a Claim (Part I)

What Happens Next? Why the Delays? Part I

By |2017-05-04T15:43:29-05:00December 7th, 2011|Uncategorized|

What Happens Next? Why the Delays? Part I Scripture admonishes us in the book of Matthew “to not worry about tomorrow, for tomorrow will worry for itself. Each day has enough trouble of its own” (NIV). But try as we might to not concern ourselves with tomorrow (or next week, or next month etc…) we [...]

Comments Off on What Happens Next? Why the Delays? Part I

Questions for Initial Phone Call with Adjuster

By |2017-05-04T15:43:29-05:00November 29th, 2011|Uncategorized|

Questions for Initial Phone Call with Adjuster Have you lost your home to a fire? Or, a tornado? Both are tragic events that can leave any homeowner reeling and wondering what to do. After calling in your loss to the claims department of your insurance company you can normally expect to hear from the adjuster [...]

Comments Off on Questions for Initial Phone Call with Adjuster

Alabama Public Adjusters

By |2017-05-04T15:43:29-05:00June 1st, 2011|Uncategorized|

Alabama Public Adjusters With forty-four states providing for the licensing and regulation of public adjusters why has “The Cotton State” not allowed people in our profession to work as an Alabama Public Adjuster… and doesn’t this increase the potential for a bad insurance settlement for the citizens of Alabama? It’s a good question and a [...]

Comments Off on Alabama Public Adjusters

5 Things to do IMMEDIATELY After a Loss

By |2017-05-04T15:43:29-05:00December 13th, 2010|Uncategorized|

5 Things to do IMMEDIATELY After a Loss Okay, what you thought would never happen, happened. A fire or tornado has damaged a substantial portion of your home or business and now you have an insurance claim on your hands. You didn’t ask for this but it’s the hand you’ve been dealt. So now what [...]

Comments Off on 5 Things to do IMMEDIATELY After a Loss