Storm Damage - SE Michigan - 33 Years Experience
Have a Chubb homeowner policy and storm, wind, or tornado damage in Michigan? Phase III documents every line item, works directly with your Chubb 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 Chubb homeowner policies in Michigan -- documented to Xactimate standards the way Chubb Chubb staff 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 Chubb 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 Chubb Chubb staff adjusters expect -- line item by line item, code references included.
Phase III works directly with your Chubb 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.
Chubb Claim Reference
File through the Chubb mobile app or claims portal or call 1-800-252-4670. Request a full property inspection. Consider having Phase III present during the adjuster visit.
Chubb uses Xactimate to estimate storm damage. Phase III generates estimates formatted to align with Chubb's methodology -- no translation required.
Your Chubb policy deductible applies to storm and wind damage claims. Chubb Masterpiece policies may have extended coverage terms. Phase III can walk you through how deductibles apply to your specific Chubb policy.
Chubb Masterpiece policies include access to Chubb's network of contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a Chubb network 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 Chubb?
Document damage with photos immediately. File through the Chubb app or call 1-800-252-4670. Chubb Masterpiece policies are known for high-value coverage and responsive service. Phase III can be present during the inspection to ensure full documentation.
Does Chubb cover wind and storm damage in Michigan?
Chubb Masterpiece and other Chubb homeowner policies in Michigan provide broad coverage for wind storm damage, tornado damage, and related structural losses. Phase III documents every line item to Xactimate standards to support your full recovery.
Do I have to use a Chubb preferred contractor in Michigan?
Chubb Masterpiece policies include access to Chubb's network of contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use a Chubb network contractor.
How does Chubb handle supplemental storm claims?
Chubb reviews supplements through their claim team. Phase III prepares documented supplements with Xactimate line items and photographs and submits them directly to your Chubb adjuster.
What if Chubb 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 Chubb 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.