Days 1–7: Emergency Mitigation
The critical window. Water from firefighting, broken windows, exposed framing—these create mold and structural risk immediately. Your contractor boards the property, extracts water, sets drying equipment, and documents all damage for your insurer.
Weeks 2–3: Scope Agreement and Permitting
The adjuster inspects. If your contractor identifies additional damage—common in fire claims—they file a supplemental request. Permits for structural, electrical, or plumbing work typically take 1–3 weeks in SE Michigan.
Weeks 3–12: Restoration Work
Smoke and soot only: 1–4 weeks. Cleaning, deodorization, content restoration.
Partial structural: 8–16 weeks. Removing and rebuilding damaged framing, walls, flooring, and systems.
Total loss: 6–12 months. Essentially a full rebuild from foundation up.
What Extends Timelines
Insurance disputes, supplement negotiations, permit delays, and material availability all add time. The best way to accelerate your timeline: a contractor who manages the claims process aggressively from day one.
Phase III Construction responds within hours and handles every step from documentation to final walkthrough. Call us at (734) 237-7322 — available 24/7.