Auto-Owners Insurance Policyholders — SE Michigan
Phase III Construction works directly with Auto-Owners adjusters to document, estimate, and supplement your hail or storm damage claim — so you receive the full replacement cost your policy entitles you to.
Contact your independent agent or call Auto-Owners directly. You'll receive a claim number and be assigned a field adjuster.
An Auto-Owners adjuster inspects your property and documents damage. Their scope is the starting point — not the final word.
Auto-Owners uses Xactimate software to generate the repair estimate. Line items, labor rates, and scope all affect your payout.
You'll typically receive an actual cash value (ACV) payment first, with depreciation withheld pending completion.
You have the right to choose your own licensed Michigan contractor. Phase III works directly with Auto-Owners throughout.
Once work is complete, submit documentation and receive the withheld depreciation (if you carry RCV coverage).
Auto-Owners Insurance uses Xactimate software to generate all residential property damage estimates. The initial adjuster estimate is the starting point — but it frequently misses line items that are legitimately owed under your policy. Common omissions include: code-required upgrades (drip edge, ice and water shield, starter strip), underlayment and decking replacement, skylight flashing and resealing, gutter and downspout replacement, HVAC damage from hail impact, and interior damage resulting from water infiltration. Phase III Construction reviews your Auto-Owners Xactimate scope in detail. We identify missing or undervalued line items and file a supplement directly with Auto-Owners — backed by photographs, code citations, and supporting documentation. Supplementing a claim is standard industry practice and is not a dispute. Most claims receive at least one supplement. Our goal is ensuring you receive the full legitimate value of your policy.
We meet Auto-Owners adjusters on-site, walk the damage together, and ensure nothing is overlooked during the inspection.
We review your Auto-Owners estimate line by line and identify missing items, undervalued labor, or omitted code upgrades.
Phase III prepares and submits supplements directly to Auto-Owners with photo documentation, code citations, and supporting estimates.
We help you understand your ACV vs RCV coverage and guide you through the process of recovering withheld depreciation.
Roof, siding, gutters, windows, interior — Phase III handles complete storm restoration with licensed crews and warranty-backed work.
We provide all completion documentation Auto-Owners requires to release your final RCV payment.
Phase III helps you understand exactly what your Auto-Owners policy covers and guides you through every step to maximize your legitimate recovery.
Phase III Construction serves SE Michigan homeowners from Westland, MI. We work directly with Auto-Owners Insurance adjusters and handle the documentation, supplement process, and full restoration.
Phase III Construction handles Auto-Owners hail and storm damage claims throughout Southeast Michigan.