Storm Damage - SE Michigan - 33 Years Experience
Have a Auto-Owners Insurance homeowner policy and storm, wind, or tornado damage in Michigan? Phase III documents every line item, works directly with your Auto-Owners Insurance adjuster, and handles the claim from inspection through final restoration.
Call (734) 237-7322 Free InspectionStorm Damage We Handle
Phase III handles the full range of storm damage covered under Auto-Owners Insurance homeowner policies in Michigan -- documented to Xactimate standards the way Auto-Owners Insurance local independent agents and adjusters expect to see it.
Lifted shingles, decking damage, flashing failures, ridge cap loss -- documented to Xactimate standards with photos, measurements, and line-item estimates.
Wind-driven siding damage, gutter detachment, soffit and fascia damage -- fully scoped and submitted to Auto-Owners Insurance as part of the complete claim.
Fallen trees on structures, projectile impact damage, structural breaches -- documented before removal to preserve the insurance record.
Secondary water damage from storm breaches -- ceilings, walls, insulation, flooring -- included in the storm claim, not treated as a separate water loss.
The Process
Phase III inspects your property at no charge and documents every item of storm damage -- roof, siding, gutters, windows, structure, and interior.
We build a complete Xactimate estimate formatted the way Auto-Owners Insurance local independent agents and adjusters expect -- line item by line item, code references included.
Phase III works directly with your Auto-Owners Insurance adjuster. We can be present during the inspection and handle all supplemental submissions.
From approved scope to finished work -- Phase III manages the complete restoration so you don't have to manage multiple contractors.
Auto-Owners Insurance Claim Reference
File through the Auto-Owners mobile app or call 1-888-252-4626. Request a full property inspection. Consider having Phase III present during the adjuster visit.
Auto-Owners Insurance uses Xactimate to estimate storm damage. Phase III generates estimates formatted to align with Auto-Owners Insurance's methodology -- no translation required.
Your Auto-Owners policy deductible applies to storm and wind damage claims. Phase III can walk you through how deductibles apply to your specific Auto-Owners Insurance policy.
Auto-Owners may suggest preferred contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use an Auto-Owners preferred contractor.
Phase III inspects at no charge and builds your claim documentation. Call (734) 237-7322 or submit below.
Common Questions
What should I do after storm damage if I have Auto-Owners?
Document damage with photos immediately. Contact your local Auto-Owners agent or call 1-888-252-4626 to file your claim. Phase III can be present during the adjuster visit to ensure all wind and storm damage is properly documented.
Does Auto-Owners cover wind and storm damage in Michigan?
Standard Auto-Owners homeowner policies in Michigan cover wind storm damage, tornado damage, and related structural damage. Phase III documents every line item to Xactimate standards to support your full recovery.
Do I have to use a Auto-Owners Insurance preferred contractor in Michigan?
Auto-Owners may suggest preferred contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use an Auto-Owners preferred contractor.
How does Auto-Owners handle supplemental storm claims?
Auto-Owners reviews supplements through their claim team. Phase III prepares documented supplements with Xactimate line items and photographs and submits them directly to your Auto-Owners adjuster.
What if Auto-Owners Insurance denies my storm damage claim in Michigan?
A denial is not necessarily final. You have the right to request a re-inspection, provide additional documentation, or invoke your policy's appraisal clause if you and Auto-Owners Insurance disagree on the scope or value of damage. Phase III can help build a comprehensive documentation file including photos, moisture readings, and a professional Xactimate estimate to support a re-inspection or dispute process.