The Howarth Group

Specialties

Three decades of experience enables us to guarantee that if we take on your claim as your Tennessee or Kentucky public adjuster or your Alabama insurance appraiser we will increase your settlement or you owe us nothing. That’s a promise. Simply stated: our 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.

We are members of the National Association of Public Insurance Adjusters, the Better Business Bureau and other respected entities and uphold the high ethical standards they require of their members. We will not ask the insurance company to pay for something they don’t owe, but be assured that we will carefully, and skillfully, make a claim for absolutely every benefit that you are entitled.

History

Established in 1985.

Mr. Howarth has over 25 years of experience in the insurance claims adjusting business. He started out on the insurance company side of the business and advanced to a management position of training adjusters for State Farm Insurance Company. After several years there, learning the claims business from the inside, Mr. Howarth decided that he would be much happier using his knowledge to help policy-​holders instead of the insurance company through the difficult process. He «jumped ship» and has been helping people directly with their claim problems ever since. Mr. Howarth is a licensed Public Adjuster in Tennessee and Kentucky (along with several other Southeastern states) and has acted as Appraiser in the insurance appraisal process many hundreds of times. He is also a Rule-​31 Supreme Court approved Mediator in Tennessee.

Meet the Business Owner

Chuck H.

Business Owner

Mr. Howarth has both an IIA and a CPCU Degree from the Insurance Institute of America. He has been a Chartered Property & Casualty Underwriter since the mid 1980’s. He is a recognized expert in insurance claims and has testified as a qualified expert in numerous courts involving property damage claims in multiple states, including Federal Courts in multiple states in the Southeast.

Mr. Howarth has served on the Board of Directors of the National Association of Public Insurance Adjusters. He is a past President of both the Tennessee Association of Public Insurance Adjusters as well as the Florida Association of Public Insurance Adjusters.

Mr. Howarth is originally from Florida and his wife of 30 years, Ann, is from North Carolina. They have three children which range in age from 18 to 26. They are both active members of The People’s Church in Franklin where he serves on both the Leadership and Personnel Committees.