We are licensed insurance consultants and damage consultants. We document the loss, build the estimate and negotiate with your insurance company, so you don't have to do it alone.
Hail and wind damage, spot repairs, matching and missed items.
Roof claims →
NFIP and private flood, proof of loss and wind-versus-water disputes.
Flood claims →
Fire and smoke damage, contents and living expenses.
Fire claims →
Burst pipes, plumbing leaks, water heaters and roof leaks.
Water claims →
Apartment complexes, hotels, condo associations and commercial buildings.
Large loss claims →
Sanctuaries, steeples, stained glass and church campuses.
Church claims →
Most families file one or two big claims in their lifetime. The insurance company handles thousands. We even the odds.
Roofs, siding, gutters, windows and fences. Roofing claims are where we see the most missed items.
Wind damage, interior water from roof openings, and hurricane deductible questions.
Structure, contents and living expenses while you're out of your home.
Sudden leaks, burst pipes and the tear-out and mold that follow.
Already have a check or a denial letter? We'll review it and tell you if there's more to pursue.
Commercial policies are longer, the buildings are bigger and lost income is on the line. We bring the same careful, line-by-line approach to every one.
Roofs, building envelopes, interiors and storefronts.
Guest rooms, common areas and lost revenue, all accounted for.
Master-policy claims with updates for the board and owners.
Every building, roof and unit, plus loss of rents.
Single-family rentals and small multifamily.
Major multi-building claims. See large loss claims
Two terms come up a lot when people describe what we do. Here is what each one means in practice.
Mike Norris holds a Louisiana insurance license (#511888) that includes the Consultant – Property & Casualty line. As a licensed insurance consultant he reads your policy and explains what it actually covers, which endorsements and exclusions apply, how your deductible and coverage limits work, and where the carrier's position departs from the policy language.
As a damage consultant we inspect the property and document what was damaged and why — storm, wind, hail, water, fire or impact — then report on the cause and full scope of the loss. That means photographs, measurements, moisture readings where needed, a line-by-line Xactimate estimate and, when the carrier disputes causation, the technical basis for our findings.
Licensed public adjusters are the only insurance professionals who can represent you, the policyholder, in presenting and negotiating your claim. Ocean States is licensed in Louisiana (#1100089), Mississippi (#15057528) and Texas (#20979104). We represent property owners. We never work for insurance companies.
