Phase III Construction works with Chubb Masterpiece policyholders across Southeast Michigan on premium home restoration. We understand Chubb's documentation standards, appraisal process, and expectations for high-value properties — and we match them.
How It Works
Chubb's process for Masterpiece policyholders is more thorough than most carriers. Here is what to expect and where Phase III fits in.
Call Chubb's claims line at 1-800-252-4670 or visit chubb.com to open your claim. Have your policy number and a description of the damage ready. Document the date of the storm event.
Chubb typically uses their own dedicated staff adjusters for Masterpiece policies — not third-party independents. These adjusters are experienced with high-value properties and expect complete, well-documented claims.
Before Chubb's adjuster visits, we conduct our own independent inspection. We document all visible damage — roof, siding, gutters, exterior features — in detail. This gives us an independent baseline before the adjuster scope is written.
We walk the property with Chubb's adjuster and advocate for a complete and accurate scope. Our documentation is ready before they arrive. We identify discrepancies on the spot and raise them in real time.
If contractor-discovered damage was not included in Chubb's initial scope, we document and submit supplements in Xactimate format directly to Chubb. Their adjusters review supplements and issue revised approvals when warranted.
Once scope and approval are finalized, our licensed crews begin restoration using premium materials that match the quality of your home. We provide documentation throughout the project to support any final supplements or close-out requirements.
Documentation and Dispute Resolution
Chubb uses Xactimate as a baseline pricing tool for storm damage claims. For high-value or specialty components — slate roofing, copper gutters, custom millwork — their adjusters may also commission independent appraisals to accurately value the work. Phase III documents all damage and all line items in Xactimate format, matching Chubb's workflow and reducing friction throughout the claims process.
If you and Chubb disagree on the value of your loss, the Masterpiece policy includes an appraisal clause that provides a structured path to resolution without litigation. Each party selects a competent appraiser. If those appraisers cannot agree, a mutually agreed umpire resolves the difference. Phase III provides the detailed documentation your appraiser needs to present a well-supported position.
Why Policyholders Choose Phase III
Chubb Masterpiece pays to rebuild your home even if costs exceed your policy limit. There is no cap on quality. Phase III ensures your scope reflects the full standard of your home, not a reduced-cost substitute.
You may elect to take a cash settlement rather than rebuild. Phase III can provide the full documented scope value before you make that decision — so you understand exactly what you are accepting or declining.
High-value homes often have materials — slate, cedar shake, copper — that require exact-match replacement. We source them. We do not substitute lower-cost alternatives to ease logistics.
Chubb's staff adjusters are thorough and experienced with high-value properties. Our documentation is prepared to match their expectations — reducing friction and back-and-forth from the first inspection forward.
Even thorough adjusters miss items. We conduct a complete contractor inspection and document everything not captured in Chubb's initial scope. Supplements are submitted with full Xactimate line-item backup.
Builders License #262000615. Fully insured. We meet Chubb's expectations for licensed contractor work on Masterpiece properties. 33 years of Michigan residential and commercial restoration.
Know Your Rights
Understanding Your Masterpiece Policy
Unlike standard policies with hard dollar limits, Chubb Masterpiece is designed to fully rebuild your home to its original quality — even if construction costs have risen since you purchased the policy. This is a fundamental difference between Masterpiece and most homeowners coverage, and it matters significantly when high-value materials are involved.
Chubb's Masterpiece policy may allow you to take a cash payment equal to the cost to repair or replace damaged areas, without actually completing the work. This is a significant financial decision. Before electing a cash settlement, you should understand the full documented scope value. Phase III can provide that documentation so you are making an informed choice, not an underprepared one.
When there is a disagreement on loss value, the appraisal clause provides a structured path to resolution that does not require litigation. Both parties select their own competent appraiser. If those appraisers disagree, a mutually agreed umpire resolves the difference. Phase III's documentation provides the foundation your appraiser needs to present a well-supported, credible position.
Chubb's claim team handles high-value properties with a dedicated staff adjuster. Once your claim is open, contact Phase III at (734) 237-7322 — we coordinate our inspection and documentation process around Chubb's timeline.
Frequently Asked Questions
Phase III works with Chubb policyholders across Southeast Michigan. We know the process, the documentation requirements, and the standards Chubb expects. Let us put that experience to work on your claim.
Service Area
Phase III handles Chubb storm damage claims in Oakland County and surrounding high-value communities throughout Southeast Michigan.