Phase III Construction helps Michigan homeowners document storm and hail damage, communicate with Cincinnati Insurance adjusters, and ensure your claim reflects the full scope of damage to your property.
Understanding what to expect helps you make better decisions at every stage.
Cincinnati Insurance uses an agent-first model. Call your independent agent — they initiate the claim on your behalf.
Cincinnati assigns a field adjuster to your claim. Depending on storm volume, this may take several days.
A Cincinnati adjuster visits your property to document and scope the damage. Phase III can be present to point out all affected areas.
Cincinnati produces a line-item Xactimate estimate for approved repairs. Phase III reviews this estimate for completeness.
You receive an initial payment, often ACV. If your policy includes RCV coverage, the depreciation holdback is released after repairs are completed.
As a Michigan policyholder, you have the right to choose your own licensed contractor. Phase III handles the repair from start to final documentation.
Cincinnati Insurance uses Xactimate — the industry-standard estimating software — to produce line-item repair estimates for residential property claims. Xactimate prices are based on regional cost data updated quarterly, but they don’t always reflect current Michigan market pricing for labor and materials.
As an experienced Michigan restoration contractor, Phase III Construction reviews every Cincinnati Insurance Xactimate estimate line by line. We check for missing line items, under-measured quantities, incorrect depreciation, and costs that don’t reflect current material prices.
If your estimate is incomplete or lower than the actual scope of damage, we prepare a supplement — a documented request to Cincinnati Insurance for additional coverage — supported by photos, measurements, and Xactimate line items. Supplements are a normal part of the claims process and are reviewed by your adjuster.
Builder’s License #262000615. We meet all licensing and insurance requirements to perform restoration work on insured property in Michigan.
We’ve worked through thousands of SE Michigan hail and storm events since 1993. We know what Cincinnati adjusters look for and how to document damage properly.
We read and prepare Xactimate estimates. We know what’s there, what’s missing, and how to prepare a properly documented supplement request.
We understand Cincinnati’s agent-first model and work with it, not around it. We never contact your agent or adjuster without your knowledge and authorization.
Free inspection and estimate. Phase III is paid from your approved insurance proceeds after the work is completed — not out of your pocket.
Accredited with the Better Business Bureau with an A+ rating. Our reputation in SE Michigan has been built over more than three decades of completed work.
Michigan law and your Cincinnati Insurance policy give you meaningful rights throughout the claims process. Here’s what you should know before the adjuster arrives.
Michigan law gives you the right to select any licensed contractor for your repairs. Cincinnati Insurance cannot require you to use a preferred vendor or contractor network. The choice is yours.
You are entitled to a full written scope of loss that covers all damage caused by the covered event. If items are missing from your estimate, you have the right to request a supplement review.
If you and Cincinnati Insurance cannot agree on the value of the loss, you may invoke the appraisal clause in your policy. This process brings in an independent appraiser to review the claim.
If your Cincinnati Signature or Executive policy includes RCV coverage, you are entitled to full replacement cost after repairs are complete — not just the initial ACV payment.
ACV pays the depreciated value of your damaged property. A 15-year-old roof may have substantial depreciation withheld from the initial payment. Depreciation accounts for the age and condition of the material. If your policy provides only ACV coverage, this is your final settlement payment.
Cincinnati’s Signature and Executive homeowner policies typically include replacement cost coverage. Under RCV, you receive an initial ACV payment, then the withheld depreciation — called recoverable depreciation — is released after repairs are completed and documented with Cincinnati Insurance.
Phase III can help document your damage and navigate the Cincinnati Insurance claims process — call (734) 237-7322
Cincinnati Insurance uses an agent-first model. Start by calling your local Cincinnati Insurance independent agent — they initiate the claim on your behalf. You can also call the Cincinnati claims line at 1-888-242-8811. Once filed, a field adjuster will be assigned to inspect your property.
Yes. Cincinnati Insurance uses Xactimate to produce line-item estimates for residential property damage claims. Xactimate is the industry standard, but the initial estimate doesn’t always capture all damage. Phase III reviews your estimate and prepares supplements when scope is missing.
Yes. Michigan law gives you the right to choose any licensed contractor. Cincinnati Insurance cannot require you to use a specific vendor or preferred contractor network. Phase III is licensed in Michigan (Builder’s License #262000615) and works with Cincinnati policyholders regularly.
A supplement is a documented request to Cincinnati Insurance to add missed or underpaid items to your claim. We prepare supplements with Xactimate line items, photos, and field measurements — and submit them directly to your adjuster for review. Supplements are a standard part of the claims process.
Cincinnati offers several home policy tiers. Signature policies typically include replacement cost coverage. Executive policies may include extended replacement cost and additional endorsements. The exact coverage depends on your specific declarations page and endorsements. We recommend reviewing your policy with your agent.
Timelines vary. After initial inspection, estimates are typically issued within 7–21 days. Supplements, if needed, add time depending on adjuster responsiveness. Phase III tracks your claim and communicates with adjusters to keep things moving.
This depends on your specific policy and claims history. Hail and wind claims are typically weather-related events that may not affect your premium the same way at-fault claims do. Your Cincinnati Insurance agent is the right person to advise you on this.
Yes. With your authorization, Phase III communicates directly with your Cincinnati Insurance field adjuster and desk adjuster. We provide documentation, attend re-inspections, and prepare supplement requests — all on your behalf.
Phase III Construction serves SE Michigan homeowners with Cincinnati Insurance and all major carriers.