Phase III Construction guides AAA Michigan policyholders through the hail and storm claim process — from inspection to final payment.
Licensed GC #262000615 | BBB Accredited A+ | Xactimate Documentation | Supplement Experience
The Auto Club Group — better known as AAA Michigan — is one of the state's largest homeowners insurers. Many policyholders originally joined AAA for roadside assistance and may not realize the same membership covers their home. Here's how AAA Michigan's claim process works.
Submit online at aaa.com, by phone, or through the AAA app. Have your policy number, date of loss, and a description of damage ready.
AAA Michigan often assigns through third-party adjuster networks. Response time varies by region and storm volume — 7 to 21 days is typical.
The adjuster visits your property to document damage. This is a critical stage: items missed here may not appear in the initial estimate.
AAA uses Xactimate software to price repairs. The estimate reflects adjuster-observed damage using regional pricing data.
Once the estimate is approved, AAA issues an ACV (Actual Cash Value) payment. If you have a mortgage, your lender may be co-payee on the check.
After repairs are completed by a licensed contractor, submit documentation to receive the held-back depreciation.
AAA Michigan's adjusters generate their estimate in Xactimate — the industry-standard estimating platform used by most major carriers. Every line item carries a unit price, a quantity, and a labor/material breakdown. When scope is missed or pricing is outdated, the shortfall comes out of your pocket unless it's formally supplemented.
Phase III Construction documents your claim using the same Xactimate framework. We measure your roof, photograph every damaged surface, and build a parallel scope that can be compared line-by-line to AAA's estimate — making it straightforward to identify and justify supplements.
We assess your roof, siding, gutters, and exterior before you file — so you know what to include from day one.
We walk you through the AAA filing process and help you document the initial loss report accurately.
We're on-site when AAA's adjuster inspects your property to ensure nothing is overlooked.
We identify missed line items in AAA's Xactimate estimate and submit a documented supplement request.
Licensed general contractor work on roofing, siding, gutters, windows, and related storm damage repairs.
We provide completion documentation so AAA Michigan releases your recoverable depreciation promptly.
Michigan insurance law protects homeowners throughout the claims process. Understanding your rights ensures you're not leaving money on the table — and that AAA Michigan's process works in your favor.
Michigan law does not require you to use AAA's preferred vendors or networks. You may select any licensed contractor.
You may request a re-inspection, dispute scope, or file a supplement if you believe the initial estimate is incomplete.
If you and AAA Michigan cannot agree on the value of the loss, your policy likely includes an appraisal clause — a formal dispute process that doesn't require litigation.
The first payment AAA issues. It represents what your damaged property was worth at time of loss — accounting for age, wear, and depreciation. On a 15-year-old roof, the ACV payment may cover only a fraction of replacement cost.
If your policy includes RCV coverage, you're entitled to the full replacement cost — but AAA Michigan holds back the depreciation until repairs are complete. This "recoverable depreciation" is released when you submit a contractor invoice proving the work is done.
Phase III tracks your depreciation holdback and submits completion documentation to AAA Michigan as soon as work is finished — so you're not waiting on a check you've already earned.
Yes. AAA Michigan homeowners policies (issued through The Auto Club Group) typically cover sudden and accidental damage from hail and windstorms, subject to your deductible and policy terms. Coverage details vary by policy — your declarations page will show your specific limits and deductible.
Yes. Michigan law gives you the right to select your own licensed contractor for repair work. AAA Michigan cannot require you to use a specific contractor or preferred vendor network. Phase III Construction is a licensed Michigan general contractor (#262000615) with extensive AAA claim experience.
AAA Michigan uses third-party adjusters and field vendors, which can extend timelines compared to direct-writer carriers — especially during high-volume storm seasons. Initial inspection is typically scheduled within 7–21 days of filing; full approval and payment can take 4–8 weeks or longer for complex claims.
AAA Michigan pays claims in two stages on most RCV policies. First, they issue an ACV (Actual Cash Value) payment — replacement cost minus depreciation. After repairs are completed by a licensed contractor, you submit proof of completion and the depreciation amount ("recoverable depreciation") is released as a second payment.
A supplement is an additional claim request when the original Xactimate estimate missed line items, used outdated pricing, or didn't account for code upgrades. Phase III prepares documentation — photos, written scope, and Xactimate line-item justifications — and submits the supplement to AAA Michigan on your behalf. Most supplements require 2–4 weeks for adjuster review.
Yes. Phase III handles all communication with the AAA adjuster, including scheduling re-inspections, presenting supplemental documentation, and negotiating scope of loss. You don't need to manage the back-and-forth.
It's common for initial Xactimate estimates to undercount scope — missed layers of roofing, excluded code items, or outdated unit pricing. Phase III will review the estimate line by line, document discrepancies with photos and measurements, and file a supplement request to bring the estimate in line with actual repair costs.
Phase III Construction has been working with Michigan homeowners and insurance carriers for 33 years. We know AAA's process, paperwork, and timeline — so you don't have to.