Phase III Construction helps Erie Insurance policyholders in Southeast Michigan navigate the storm and hail damage claim process — from initial inspection through Xactimate documentation and final settlement.
Understanding what to expect helps you protect your rights as a policyholder.
Report your loss to your Erie agent or directly to Erie Insurance. Your agent relationship is central to Erie's model.
Erie assigns a claim number immediately. Keep this number for all communications and documentation.
Erie will assign an adjuster — either an Erie staff adjuster or an independent adjuster — to your claim.
The adjuster inspects the damage and documents findings. This is where thorough contractor documentation matters.
Erie uses Xactimate software to generate the repair estimate. Understanding this estimate is critical to a fair settlement.
Once the claim is approved and funds are released, licensed repairs begin. Phase III handles all phases of restoration.
Industry-standard estimating software used by Erie Insurance adjusters to price residential property repairs. Every line item — from roofing materials to labor — is priced using Xactimate's regional pricing database.
If damage is missed or line items are excluded from the initial Xactimate estimate, policyholders may receive less than they are entitled to. A thorough inspection by an experienced contractor helps ensure all damage is captured before the estimate is finalized.
Phase III documents damage with photos, measurements, and written scope to support the Xactimate estimate. If supplemental items are discovered during work, Phase III handles the supplement process directly with Erie — so you don't have to navigate that conversation alone.
From the first inspection through final payment, Phase III is with you every step of the Erie claim process.
No cost, no obligation. We inspect your property and document damage before you commit to anything.
We understand Xactimate line items and can identify if your estimate is missing covered damage.
We work directly with Erie Insurance so you don't have to manage payments and reimbursements.
Michigan General Contractor License #262000615. Fully insured for residential and commercial work.
If additional damage is found during repairs, we handle the supplement process with Erie directly.
Michigan law gives you the right to choose your own licensed contractor. We help you exercise that right.
Michigan law gives homeowners the right to choose their own licensed contractor for insurance-covered repairs. You are not required to use any contractor recommended or preferred by Erie Insurance. Your contractor of choice must be licensed in Michigan, but the selection is entirely yours.
Erie Insurance offers Guaranteed Replacement Cost (GRC) coverage as a standard feature on many homeowner policies. Under GRC, Erie agrees to pay the full cost to rebuild your home to its pre-loss condition, even if that cost exceeds your policy's coverage limit. This is a significant benefit — many insurers cap payment at the policy limit, leaving homeowners with out-of-pocket shortfalls. Under Erie's GRC provision, you may be entitled to full reconstruction cost regardless of your coverage limit, subject to policy terms and conditions. Review your declarations page or contact your Erie agent to confirm whether your policy includes GRC.
Insurance claims are settled using one of three methods. Understanding which applies to your Erie policy affects how much you receive.
Actual Cash Value
Pays for damage minus depreciation. A 15-year-old roof may be heavily depreciated. You receive less than replacement cost.
Replacement Cost Value
Pays the full cost to replace damaged property with new materials of similar kind and quality. No depreciation deducted.
Guaranteed Replacement Cost
Erie's premium offering. Pays the full cost to rebuild even if it exceeds your policy limit. Subject to Erie policy terms.
Most Erie homeowner policies include RCV or GRC provisions. Check your declarations page or contact your agent to confirm your coverage type.
You can report a claim directly to Erie Insurance by calling 1-800-367-3743, through the Erie mobile app, or by contacting your local Erie independent agent. Your agent is a central part of Erie's claims process and can help initiate and track the claim. Once reported, Erie will assign a claim number and schedule an adjuster inspection.
Yes. Erie homeowner policies typically cover hail damage as a standard covered peril. Coverage specifics depend on your policy terms, but storm and hail damage to roofing, siding, gutters, and other structures is generally covered. Review your declarations page or contact your Erie agent to confirm your specific coverage.
Erie's Guaranteed Replacement Cost (GRC) provision means Erie will pay to rebuild your home to its pre-loss condition even if the reconstruction cost exceeds your policy's coverage limit. This distinguishes Erie from many competitors who cap payment at the policy limit. GRC coverage is subject to policy terms — confirm with your declarations page.
Yes. Michigan law gives you the right to select your own licensed contractor for insurance-covered repairs. Erie Insurance cannot require you to use a specific contractor. Your chosen contractor must hold a valid Michigan contractor license, but the selection is entirely yours.
Erie Insurance and its adjusters use Xactimate — the industry-standard estimating software — to price residential repair work. Xactimate uses regional labor and material pricing databases. Your adjuster will generate an Xactimate estimate after the property inspection. Understanding this estimate is important, as missed line items may reduce your settlement.
If you believe Erie's estimate does not fully capture the damage, you can request a re-inspection or submit a contractor's competing estimate. You also have the right to file a complaint with the Michigan Department of Insurance and Financial Services (DIFS) if you believe your claim is being handled improperly. Phase III Construction can review Erie's estimate and document any discrepancies.
A supplement is a request to add line items to an approved insurance estimate — typically when additional damage is discovered during the repair process or when original items were missed in the initial estimate. Phase III handles supplement submissions directly with Erie Insurance, documenting the additional scope with photos and Xactimate-compatible documentation.
Erie's ERIE Rate Lock® feature locks your rate so it doesn't increase due to rate changes. However, Rate Lock does not prevent surcharges from claims activity. Contact your Erie agent for specifics on how a claim may affect your individual policy. In general, a single weather-related claim has less impact on rates than at-fault claims.
Timeline varies based on claim complexity, adjuster availability, and supplement cycles. A straightforward roof claim can be settled in 2–4 weeks. More complex claims with supplemental items or disputes may take longer. Phase III works to move the process forward by providing prompt documentation and responding quickly to Erie's requests.
Yes. Phase III works directly with Erie Insurance on behalf of our clients. We handle documentation, submit estimates, coordinate inspections, and manage the supplement process. Our goal is to reduce the burden on the homeowner while ensuring the claim is documented thoroughly and settled fairly.
Phase III Construction serves SE Michigan Erie Insurance policyholders. Free inspection, no obligation.
Phase III Construction serves homeowners and businesses across Southeast Michigan.