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Michael Howard
M
Michael Howard
Accepting select engagements

Forensic Engineering

Michael P. Howard brings over 30 years of combined construction and insurance claims experience to every assignment — delivering precise, well-supported estimates and credible appraisal opinions for residential and commercial property losses.

Daubert-tested
Reports and depositions
32+
Years of Combined Industry Experience
6+
Major Catastrophe Deployments
5
Active Adjuster Licenses
Practice

Areas of Expertise

01

Property Insurance Claims Adjusting

02

Catastrophe Claims

03

Insurance Appraisal

04

Wind & Hail Claims

05

Water Damage Claims

06

Residential Property Loss

07

Commercial Property Loss

08

Xactimate Estimating

09

NFIP / Flood Claims

10

Loss Consulting

11

Public Adjuster Appraisal Work

12

Construction Damage Assessment

Engagements

Representative Matters & Deployments

2022

Hurricane Ian Catastrophe Deployment

Deployed with TNT and Roberts Claims Group following Hurricane Ian landfall on 9/28/2022. Investigated coverage determinations, scoped losses, and closed 4–5 claims per day across impacted Florida communities.

Claims Adjuster / Appraiser — Plaintiff Side
2021

Hurricane Ida Catastrophe Deployment

Deployed with Roberts Claims Group in the aftermath of Hurricane Ida. Conducted inspections, documented photographic evidence, and scoped residential and commercial losses.

Appraiser / Claims Adjuster
2020

Hurricane Laura & Hurricane Xeta Deployments

Consecutive catastrophe deployments for Roberts Claims Group following Hurricanes Laura and Xeta. Handled coverage investigations, loss scoping, and insured communications across affected regions.

Appraiser / Claims Adjuster
2020

Illinois Tornado of August 10, 2020

Deployed with Wardlaw and One Call Claims in response to the Illinois tornado event. Investigated property losses, captured evidence, and delivered timely claim closures.

Claims Adjuster
2008

Hurricane Ike — Ohio Deployment

Deployed to Ohio with Reid, Jones, McRorie & Williams to handle property claims in the wake of Hurricane Ike. Specialised in wind and water loss adjusting for residential and commercial properties.

Claims Adjuster
2023

Plaintiff-Side Appraisal Work for Florida Public Adjusting Firms

Conducted appraisal proceedings on behalf of Floridian Public Adjusting, Helping Neighbors Adjusting Inc., Nationwide Adjusters, and Exclusive Global Solutions. Reviewed appraisal demands, estimates of dispute, and prior losses; facilitated award agreements with opposing appraisers and agreed-upon umpires.

Independent Appraiser / Loss Consultant — Plaintiff Side
Engagement

Frequently Asked Questions

Michael handles residential and commercial property losses including wind, hail, water, and flood claims, with particular depth in catastrophe events such as hurricanes and tornadoes. He also serves as an independent appraiser and loss consultant in formal insurance appraisal proceedings.

Yes — Michael has served as a plaintiff-side appraiser in formal appraisal proceedings since 2021, working with opposing appraisers and agreed-upon umpires to facilitate award agreements on behalf of public adjusting firms across Florida.

Michael holds active adjuster licenses in Florida, Hawaii, Louisiana, Mississippi, and North Carolina, and also carries NFIP and IICRC certifications.

Michael is proficient in Xactimate, XactAnalysis, and FileTrac — the industry-standard platforms for property loss estimating, claim management, and reporting.

Absolutely — Michael operated as a licensed carpenter and contractor from 1992 to 2007, providing hands-on expertise across framing, roofing, HVAC, plumbing, and more. This foundation enables him to scope losses with a level of precision that purely claims-focused adjusters often lack.

Yes — Michael is available on an as-needed basis for daily claims assignments across Illinois, Indiana, Wisconsin, Michigan, and Iowa, as well as catastrophe deployments anywhere in the United States or internationally.

Ready to Engage an Experienced Property Insurance Expert?

Michael P. Howard is available for appraisal assignments, loss consulting, and expert engagements. Contact him today to discuss your matter.

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