Nashville, Tennessee (PRWEB) December 05, 2012
The Howarth Group, a property claim-consulting firm based just outside Nashville, Tennessee, will now start offering advice for improving the settlements offered by insurance companies on residential and commercial insurance claims. The blog will try to stay as current as possible, offering tips on relevant topics throughout the year. Different seasons bring different risks, so the company will focus on events that become increasingly likely at the time.
Though public adjusting firms have been around for a while, policyholders in certain markets often don’t realize how helpful one of these firms can be. Public adjusters can ensure that the insurance company provides the appropriate monies for property damage after a loss. While it’s not infrequent that an insurance company will pay what they are required to, more often than not the amount offered is less than what the policy stipulates. This is when consulting firms like The Howarth Group can be especially valuable. These types of companies can help one make sure he or she is getting the full value of the various coverages as spelled out in the policy.
Public adjusters play an integral role in the insurance claims process. They have valuable knowledge and experience that the common policyholder does not have time to accumulate after suffering a catastrophic loss.
The Howarth Group is one of the few property claim consulting firms that are only compensated on a small portion of the additional money that they add to the structural portion of the claim.
The advice in the inaugural post:
“There are twice as many fires in December and January as there are in July and August. Most of them are related to fireplaces and space heaters so please be careful as to what is placed next to these alternative sources of heat.”
Thus, try to keep flammable materials like blankets are clothes away from exposed sources of heat.
According to the Tennessee Fire Incident Reporting System (TFIRS) there are twice the number of fires in the winter months as in the summer months. With the increased chances of having to file a fire-related insurance claim, this time of year is an appropriate period for a homeowner to review the limits of coverage that their insurance policy provides.
In addition, Denis Rowe, co-founder of the Howarth Group, said,
“Frozen pipes can cause serious damage to the residence of homeowners who leave town over the holidays. Policyholders should be aware that the insurance company is not liable for any water damage as a result of a homeowner turning off the heat while they are away or setting the thermostat so low that the pipes still freeze. 55 degrees is a good temperature setting for a thermostat when a property owner is going to be away from the property for more than a 2 or 3 days.”
The company also offers commercial and residential case studies to illustrate how their services can be effective in ensuring the policyholders’ interests are accounted for.
About the Howarth Group
The Howarth Group is a property claim consulting firm with the unique experience that comes from having worked on both sides of a claim. For over three decades the public adjusters of The Howarth Group have been helping people with their property losses. As licensed public adjusters throughout the Southeast, they handle mostly residential, commercial, and personal property claims. Since leaving their insurance company background 25 years ago, founder Chuck Howarth and his business partner, Denis Rowe, have helped countless individuals and large companies successfully navigate their way through the claim process.