Public Adjusters & Insurance Appraisers

As Public Adjusters, we pledge

“To help every­one we talk to…and some of them will even need to hire us”.

Our Promise

“As your pub­lic adjuster work­ing on your behalf, we will increase the out­come of your claim, or you owe us noth­ing.”

Professional Public Adjusters for Your Insurance Claim Needs

With over 60 years of com­bined expe­ri­ence, our team of pub­lic adjusters is ded­i­cat­ed to help­ing clients nav­i­gate the com­plex world of insur­ance claims. Whether you’ve expe­ri­enced tor­na­do dam­age, fire dam­age, water dam­age, or oth­er dis­as­ters, we are here to ensure you receive the max­i­mum com­pen­sa­tion you are enti­tled to. Our goal is to increase the pay­out of your claim, or you owe us noth­ing.

From con­duct­ing a thor­ough review of your insur­ance pol­i­cy to nego­ti­at­ing with your insur­ance com­pa­ny on your behalf, we pro­vide a range of ser­vices to meet your needs. Whether you have a res­i­den­tial or com­mer­cial claim, we have the exper­tise and com­mit­ment to help you through every step of the process. Con­tact us today for a free con­sul­ta­tion, and let us help you get the com­pen­sa­tion you deserve.

Residential Claims

How can you tell if your insur­ance com­pa­ny’s adjuster is being fair? Well, it’s not just about the cost they esti­mate for fix­ing things but also about what your insur­ance pol­i­cy cov­ers. You might be new to insur­ance claims, but we’ve seen it all before. So, we’re hap­py to offer a “sec­ond opin­ion” for free. That means we’ll review your pol­i­cy and inspect the dam­age along­side your esti­mate with­out charg­ing you any­thing. Why do we do this? Because it’s the only way to know if you need extra help with your claim. You should­n’t have to pay for any­thing you don’t need. Learn more…

Commercial Claims

Var­i­ous types of dis­as­ters, such as fires, floods, tor­na­does, hur­ri­canes, hail storms, and cat­a­stroph­ic events such as burst pipes or col­lapsed roofs, can wreak hav­oc on your com­mer­cial oper­a­tions and prop­er­ty. As long-time com­mer­cial pub­lic adjusters, we help alle­vi­ate the stress­ful insur­ance claims process often fol­low­ing such inci­dents. Our han­dling of your com­mer­cial claim allows you to chan­nel your exper­tise into steer­ing your busi­ness or insti­tu­tion toward a com­plete recov­ery.

Experienced Public Adjusters Help Alleviate Stress

Public Adjuster Services - Insurance Policy Appraisal and Assesments

Free Insurance Policy Review

As pro­fes­sion­al pub­lic insur­ance adjusters, we pro­vide a free expert lev­el review. All three of the part­ners have spent years study­ing and test­ing to get their AIC and SPPA cre­den­tials — which means you are in good hands.

Insurance Claim Assessment

Insurance Claim Assessment

We metic­u­lous­ly assess the dam­age and doc­u­ment all aspects cor­rect­ly. This com­pre­hen­sive eval­u­a­tion helps iden­ti­fy all dam­ages cov­ered under the pol­i­cy, some of which the pol­i­cy­hold­er might not be imme­di­ate­ly aware of.

Property Loss Claim Filing form

Inventory of Contents Preparation

This is a cru­cial step in the claims process. We pre­pare the nec­es­sary doc­u­ments and evi­dence to sub­mit your con­tents claim. You only have one chance to get it right. Our Inven­to­ry Spe­cial­ists will make sure that it is.

Insurance Claim Negotiation

Insurance Claim Negotiation

We nego­ti­ate with the insur­ance com­pa­ny on behalf of you, the pol­i­cy­hold­er. Our goal is to secure the most favor­able set­tle­ment pos­si­ble under the pol­i­cy’s terms. You only pay a small per­cent­age of the addi­tion­al mon­ey we recov­er.

Serving The Southeast

We are licensed Pub­lic Adjusters & Insur­ance Claim Apprais­ers serv­ing Alaba­ma, Flori­da, Geor­gia, Ken­tucky, Mis­sis­sip­pi, and Ten­nessee

What our clients eperience…


I can’t say enough about Conor and Franklin Prop­er­ty Claims! Conor went above and beyond, spend­ing count­less hours work­ing through a com­plex issue with my insur­ance com­pa­ny. Despite all the time and effort he put in, when I offered to com­pen­sate him for his work, he firm­ly refused, say­ing, “You don’t owe me any­thing.” That lev­el of integri­ty and ded­i­ca­tion is rare to find. Conor tru­ly cares about his clients, and it shows. Who wouldn’t be hap­py to work with Franklin Prop­er­ty Claims? High­ly rec­om­mend­ed! Thank you, Conor!

We had a house fire last year that result­ed in a total loss of our home. Hank and his team have been incred­i­bly help­ful with their wis­dom, knowl­edge and phys­i­cal assis­tance. Nav­i­gat­ing this loss and deal­ing with insur­ance is chal­lenge to say the least, but they have been there at every step to aid in what­ev­er way they could. They are a fine com­pa­ny and are led by top notch human beings. I would enlist their aid again in a heart­beat and rec­om­mend them to any­one that has a need.

We recent­ly had a large tree fall on our house. Our loss was sig­nif­i­cant and we were out of our house for over 6 months for repairs and recon­struc­tion. Hank Stop­pel­bein was invalu­able in his help, advice and coun­sel as we dealt with both our insur­ance com­pa­ny and our con­trac­tor. Hank was kind, help­ful, empa­thet­ic, avail­able and extreme­ly knowl­edge­able. Our ulti­mate set­tle­ment was out­stand­ing and cov­ered all of our costs. Thanks to Hank and his team, the process could not have gone any smoother. Thank you! Many times thank you.

I had the plea­sure of work­ing with Hank, Conor, & Denis with Franklin Prop­er­ty Claims! Rest easy know­ing you will be in good hands with FPC. I found they are incred­i­bly knowl­edge­able on adjust­ing insur­ance claims, extreme­ly thor­ough through­out the process, and have great com­mu­ni­ca­tion skills!

Expert pro-home­own­er advice.
Hank Stop­ple­bein of Franklin Prop­er­ty Claims gave us such expert advice when I filed a claim due to a water leak that flood­ed the entire 1st floor of my town­house. All of the hard­wood floor­ing had to be replaced. It was the kind of spe­cif­ic advice you can only get from some­one who is clear­ly very well-versed on every angle of the sit­u­a­tion and the posi­tions the par­ties involved will take along the way. As some­one who has owned mul­ti­ple homes but for­tu­nate­ly nev­er had to file an insur­ance claim before, I found his advice invalu­able. I whole­heart­ed­ly rec­om­mend Franklin Prop­er­ties.

Work­ing with Franklin Prop­er­ty Claims, Rosan­na and Conor, was the best deci­sion that we made by far! When you’re going through a tragedy, and every­thing and every­one is seem­ing­ly com­ing at you, it can be over­whelm­ing. It’s hard to know who to trust. I’m extreme­ly grate­ful that we met Conor and decid­ed to work with him. It made every­thing so much eas­i­er. There is no way we would have received our full ben­e­fit and close the claim in the amount of time that we did with­out their help. Cour­te­ous, pro­fes­sion­al and prompt through­out the entire process.

We had a large claim this past year and I am grate­ful I was able to con­nect with Hank at Franklin Prop­er­ty Claims.🙏Our claim was very com­plex and the adjuster did not seem to be on our side at all. I am so thank­ful for Hank’s sup­port, knowl­edge, and most all car­ing for human­i­ty. I speak from my soul, he was God­send to me and my five daugh­ters one of which who at that time was just diag­nosed with stage 3 endometrio­sis can­cer that had spread to her intestines. I was shat­tered and at my weak­est emo­tion­al­ly and men­tal­ly drained.I had no fight left in me but to fight for my daugh­ter. The adjuster had no remorse she was just a heart­less human being who brought more stress into my life. But God sent Hank, to fight for me and he did just that. I tell you, Hank helped me with my paper­work and made sure that I under­stood the process.. I know God from above sent Hank our way such an amaz­ing human being that
would call me to get updates on my claim and always asked about my daugh­ter’s health, and told me we were always in his prayers, and that speaks vol­umes. Again, I thank God for allow­ing me to talk to Hank, he took away a lot of stress and yes my daugh­ter rang the bell the day before Thanks­giv­ing can­cer-free.. I am for­ev­er grateful/ thank­ful for Hank fol­low­ing up with me. If you have an insur­ance claim I high­ly rec­om­mend you give this com­pa­ny a call and just maybe Hank will answer and you will get the chance to meet an angel. One thing about life you you will nev­er for­get is how some­one made you feel in your time of need.🙏🙏🔝

Kind regards
Bev­er­ly Ingram

Hank and Joseph are the best! When our prop­er­ty was dam­aged by the tor­na­do, we were shocked and scared to com­mu­ni­cate with Insur­ance. Hank saved us!!! He helped us a lot even at that time we do not know whether their ser­vice is need­ed. Joseph did a very good job to detail the dam­ages and com­mu­ni­cate with Insur­ance. Thank you Hank and Joseph!!!

Hope there is no acci­dent and you do not need to deal with Insur­ance, But if you need, I will 100% rec­om­mend the Franklin Prop­er­ty Claims group.

Conor with “Franklin prop­er­ty claims” has been a tremen­dous­ly knowl­edge­able and help­ful indi­vid­ual in one of the most dif­fi­cult times of our lives. His expe­ri­ence, com­munca­tions and under­stand­ing of the insur­ance pol­i­cy lim­its and state laws has helped us immense­ly in mak­ing sure we received a fair set­tle­ment on our claim. For those that feel over­whelmed in the face of dis­as­ter and don’t under­stand all the unique lan­guages and math­e­mat­ics of the insur­ance com­pa­nies- Conor is a tremen­dous resource to help trans­late it. I’m not a “tes­ti­mo­ni­al ” guy, but after work­ing with Conor I felt that let­ting oth­ers know he is a valu­able help in dif­fi­cult sit­u­a­tions and is always will­ing to help.

I recent­ly had the plea­sure of work­ing with Franklin Prop­er­ty Claims for my insur­ance claim in Ken­tucky area, and I could­n’t be more sat­is­fied with the excep­tion­al ser­vice I received. From the very begin­ning, the team demon­strat­ed a high lev­el of pro­fes­sion­al­ism, empa­thy, and effi­cien­cy that made a poten­tial­ly stress­ful sit­u­a­tion much more man­age­able.

The com­mu­ni­ca­tion through­out the process was out­stand­ing. Franklin Prop­er­ty Claims kept me informed at every stage, ensur­ing that I under­stood what was hap­pen­ing and what to expect next. They patient­ly answered all my ques­tions and pro­vid­ed clear expla­na­tions, which helped alle­vi­ate any con­cerns I had.

What impressed me most was their ded­i­ca­tion to resolv­ing my claim quick­ly and fair­ly. They went above and beyond to gath­er all nec­es­sary doc­u­men­ta­tion and liaised with oth­er par­ties involved, ensur­ing a smooth and expe­dit­ed res­o­lu­tion. The lev­el of detail and care they put into han­dling my claim was tru­ly remark­able.

Thanks to Franklin Prop­er­ty Claims, I felt sup­port­ed and con­fi­dent that my best inter­ests were being looked after. The out­come of my claim was more than sat­is­fac­to­ry, and I am incred­i­bly grate­ful for their hard work and ded­i­ca­tion.

I high­ly rec­om­mend Franklin Prop­er­ty Claims to any­one in need of claim assis­tance. Their pro­fes­sion­al­ism, exper­tise, and gen­uine con­cern for their clients make them stand out in the indus­try. Thank you again for mak­ing this process so seam­less and stress-free!

A Five Star Review for Franklin Prop­er­ty Claims (for­mer­ly The Howarth Group) — Pub­lic Adjusters and Impar­tial Apprais­ers:
Fol­low­ing a house fire, I became over­whelmed with sev­er­al tasks required by the insur­ance com­pa­ny and sought the assis­tance of Hank Stop­pel­bein and Jeanne Gen­try. Start­ing with an Insur­ance Pol­i­cy Review, Claim Assess­ment and all the way through the Inven­to­ry of Con­tents Lost, I was con­tin­u­al­ly impressed with the knowl­edge, capa­bil­i­ties, cour­tesy and respect shown by these pro­fes­sion­als. I high­ly rec­om­mend Franklin Prop­er­ty Claims to any­one hav­ing sim­i­lar insur­ance relat­ed needs or issues.
Respect­ful­ly,
Jeff Min­gle­dorff
Colum­bia, Ten­nessee

When tragedy came knock­ing on my doorsteps in the month of Jan­u­ary 2024, I was a total wreck. I didn’t know which direc­tion to turn, and so over­whelmed. But while on Tik­Tok it men­tioned some­thing along the lines of a pub­lic adjuster in one of the videos I watched, so I hopped on google and was led to Mr. Hank’s office. It was a God send! Hank has walked me through so many steps on things I was fac­ing and things to come; he even helps me with mat­ters that has no involve­ment in con­cern­ing the con­tents of my home. And from Jan­u­ary to now, he is still assist­ing me to make sure I’m not screwed over by the insur­ance com­pa­ny. He’s very hon­est and trust­wor­thy in all aspects that I’ve noticed. And let’s not for­get he’s friend­ly and warm heart­ed which is an extra perk that won my busi­ness with him over.

Jeanne,
There’s so much I could say, but I’ll sum it up with 2 adverbs; ded­i­cat­ed and knowl­edge­able. She went in and did her job with­in impec­ca­ble tim­ing. I was won­der­ing how did she do that… lol! But, I must say she’s good at what she does. She answers all calls and text with­in a decent time frame, she able to com­mu­ni­cate with me with­out leav­ing me con­fused or won­der­ing what’s going on or what’s the next steps. And that’s the type of devot­ed peo­ple I love to give my busi­ness to!!!

They have tak­en a big weight off my back, which allowed me to regain some nor­mal­cy back in my life. And I’ll for­ev­er be grate­ful for their help!

Thanks Hank and Jeanne for every­thing!!!

Vik­ki-

My fam­i­ly and I have great­ly ben­e­fit­ted from and respect­ed the pro­fes­sion­al ser­vices of Hank Stop­pel­bein in our chaot­ic expe­ri­ence of nav­i­gat­ing the Insur­ance Com­pa­nies Esti­mates of Scope of Loss and Replace­ment Costs.We found great peace as we lis­tened to and received Hank’s wis­dom and lead­er­ship. His coun­sel was peace­able in the midst of our emo­tion­al storm. We high­ly rec­om­mend his ser­vice men­tal­i­ty and sta­bi­liz­ing strength in the Restora­tion Process.
Dou­glas and Angela ONeill

In April of 2023, our house was hit by light­ning, caus­ing a fire that ren­dered our house a total loss by our insur­ance com­pa­ny. Liv­ing through that night­mare, suf­fer­ing from shock and dis­be­lief, along with try­ing to wrap our heads around every­thing we lost was over­whelm­ing. More­over, try­ing to recon­struct a report of lost con­tents for the insur­ance claim process was some­thing beyond our men­tal capa­bil­i­ties. Thanks to a friend, who intro­duced us to Conor, who intro­duced us to Jeanne Gen­try.

From the moment we sat down with Jeanne, she con­veyed a sense of calm and high lev­el of deter­mi­na­tion to help us recon­struct per­son­al items we had lost. Over sev­er­al months and count­less hours of meet­ings review­ing pic­tures col­lect­ed over the years, Jeanne was able to recon­struct a room by room inven­to­ry of items we had pri­or to the fire. In addi­tion, she was famil­iar with our insur­ance car­ri­er’s claims process and sys­tem.

What Jeanne accom­plish in a mat­ter of months would have tak­en us years con­sid­er­ing the state of mind we were in sev­er­al months after the fire. Jeanne worked dili­gent­ly on the com­put­er to search for items we lost, regard­less of coun­try, in order to sub­stan­ti­ate replace­ment val­ues. When she was done, she had a list­ing of every­thing we could think of with links to pic­tures and replace­ment val­ues for our claims sub­mis­sion. This com­pi­la­tion ranged from spices in the kitchen, tools and shoes from the garages, items in bath­room draw­ers, to large fur­ni­ture and antiques rang­ing from fine chi­na and rugs, to pieces dat­ing back to the late 1700’s. In short, she did an incred­i­ble job of cre­at­ing a report show­ing con­tents we lost along with replace­ment val­ues.

When she was done and sub­mit­ted our report to the insur­ance com­pa­ny, our insur­ance adjuster called me and com­pli­ment­ed her on her lev­el of detail and sup­port­ing doc­u­men­ta­tion. The insur­ance com­pa­ny only ques­tioned a cou­ple of large tick­et items out of thou­sands of sub­mis­sions, before they approved our claim and issued their pay­ment accord­ing to our insur­ance cov­er­age.

When you’re con­front­ed with tragedy and your body goes into a state of shock to pro­tect you from grief, nor­mal task are no longer nor­mal. Cou­ple that state of mind with the task of cre­at­ing a report show­ing every­thing you had in your house for insur­ance pur­pos­es, your body goes into an over­load state. Thank good­ness there are peo­ple like Jeanne who can help you in your time of need. Reflect­ing on how Jeanne was able to help us/guide us through our claims process was noth­ing short of gods grace since we can’t imag­ine how we would have accom­plished that task alone.

John & Karen She­dron

Amidst the emo­tion­al trau­ma fol­low­ing our house fire the loss felt over­whelm­ing. Like­wise as the require­ment to account for lost per­son­al prop­er­ty became clear we were shocked to learn what was expect­ed of us in order for our insur­ance to pay for the loss as we had always expect­ed if a fire occurred.
Then we met Hank and one of his team mem­bers Rosan­na. Their help was more valu­able than we imag­ined pos­si­ble. We had no expe­ri­ence with this process. We found the labo­ri­ous task of com­plet­ing spread sheets and research­ing costs and even attempt­ing to remem­ber all the items in our pos­ses­sion was extreme­ly dif­fi­cult. Hank and Rossana not only brought expe­ri­ence and exper­tise, but their knowl­edge, trust­wor­thi­ness and calm­ing pres­ence lit­er­al­ly encour­aged us in ways we nev­er antic­i­pat­ed need­ing! With over­whelm­ing grat­i­tude we acknowl­edge a job well done by Hank and Rosan­na.

Hi my name is Debra and I want every­one that read this post to know that this com­pa­ny is very trust­wor­thy, and hon­est. I worked with a man named Hank, he came at a time when I need­ed him most. I was at rock bot­tom and did­n’t know where to turn. I prayed and ask the good Lord to send me help with my issues that I was hav­ing with my Insur­ance com­pa­ny, they were not try­ing to help at all. Even though I had paid my insur­ance every year, but when my house burned they were not try­ing to do the right thing. But Hank put me on the right path and helped me get what I was due. He hung in there until the last dot was dry on the paper.
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