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Ocean Side Appraisals
Talk to us about your claim

Who we are

Joshua and Danielle Selph.

Two career property adjusters who wrote the estimates carriers pay from, in every mainland state. Ocean Side is what they built when they decided that knowledge belonged on the policyholder's side of the table.

Joshua Selph
Joshua Selph Co-founder · adjusting since 2004
Danielle Selph
Danielle Selph Co-founder · licensed since 2018

Joshua

If it is not documented, it did not happen.

Joshua spent two decades as an independent field and desk adjuster, handling property claims from first notice to final payment across the United States and Canada. He led specialty documentation teams, the people carriers bring in when a file has to withstand scrutiny, and learned the discipline he still works by.

He prepares every appraisal file to that standard, because he knows exactly what the other side will look for. He was trained by one of the industry's best, and it shows in the measurements.

Danielle

The policy is a set of promises. She finds the sentence that matters.

Danielle has been licensed since 2018 and spent her first year in the field studying policy language from the legal, financial and risk-management sides before she handled a claim of her own. She has since managed and interpreted residential and commercial claims in every mainland state and in Canada.

She reads a policy the way it was written to be read, as a contract with conditions, and when a carrier leans on an internal guideline instead of the policy, she is the one who notices.

2004
Joshua's first year adjusting property claims
48
mainland states worked, plus Canada
0%
of any award. We are never paid a share
A homeowner sitting on the porch of a house whose roof has been torn away

Why we do this

We met on a deployment in Dallas, on the carrier's side. We started Ocean Side for the people we met on the other.

Danielle was a field adjuster. Joshua led a documentation team. Both of them had spent years watching the same thing happen: a homeowner at the worst moment of their year, holding an estimate that would not put the house back, with no idea that the policy already gave them a way to settle it.

We do not advocate, and we do not need to. A correct, defensible estimate is the most persuasive thing in the room. We wanted to be the people who bring it.

How we hold ourselves

Four things you can hold us to.

Impartial, as the policy requires
We are paid a flat fee, never a share of the award. We hold no assignment of your claim and no interest in the repair. Where a state registers or licenses appraisers, we hold the registration or license before we serve.
Fluent in the carrier's language
We estimate in the same software carriers use, with the same pricing databases, so the comparison is line for line. There is nothing to translate and nothing to dismiss.
Honest about the limits
We set the amount of loss. We do not decide coverage, and we will tell you when your dispute is one we cannot help with. That honesty is the reason people trust the number when we do.
Reachable
(945) 248-2554 and info@oceansideappraisals.com. One of us answers, and one of us reads every intake that comes through the site.

In their words

From people we have worked with.

Before you decide anything

Has your claim stalled?

Tell us what happened and where. We will read your policy, tell you plainly whether appraisal fits, and what it would cost. No pressure, and no fee for the conversation.

Talk to us about your claim (945) 248-2554

When you write to us

  1. 1. We read your policy, the carrier’s estimate, and the letters that came with it.
  2. 2. We tell you plainly whether appraisal fits your disagreement, and if it does not, who can help.
  3. 3. If it fits, you have the fee in writing before anything starts.
How we work, and what it costs

Photographs

The photographs of damaged homes on this site were taken by Federal Emergency Management Agency photographers in the field after real disasters, and are in the public domain as works of the United States government, except where noted. They are shown in a two-tone treatment. Nothing about the losses they show has been staged.