Storm Damage - SE Michigan - 33 Years Experience
Have a Erie Insurance homeowner policy and storm, wind, or tornado damage in Michigan? Phase III documents every line item, works directly with your Erie 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 Erie Insurance homeowner policies in Michigan -- documented to Xactimate standards the way Erie Insurance independent 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 Erie 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 Erie Insurance independent adjusters expect -- line item by line item, code references included.
Phase III works directly with your Erie 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.
Erie Insurance Claim Reference
File through the Erie Insurance mobile app or call 1-800-367-3743. Request a full property inspection. Consider having Phase III present during the adjuster visit.
Erie Insurance uses Xactimate to estimate storm damage. Phase III generates estimates formatted to align with Erie Insurance's methodology -- no translation required.
Your Erie Insurance policy deductible applies to storm and wind damage claims. Phase III can walk you through how deductibles apply to your specific Erie Insurance policy.
Erie Insurance may suggest preferred contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use an Erie 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 Erie Insurance?
Document damage with photos immediately. File your claim through the Erie mobile app or call 1-800-367-3743. Phase III can be present during the adjuster visit to ensure all storm damage is properly documented.
Does Erie Insurance cover wind and storm damage in Michigan?
Standard Erie Insurance homeowner policies in Michigan cover wind storm damage, tornado damage, and related structural losses. Erie is known for responsive claims handling. Phase III documents every line item to Xactimate standards.
Do I have to use a Erie Insurance preferred contractor in Michigan?
Erie Insurance may suggest preferred contractors, but Michigan law gives you the right to choose any licensed contractor. You are never required to use an Erie preferred contractor.
How does Erie Insurance handle supplemental storm claims?
Erie reviews supplements through their claim team. Phase III prepares documented supplements with Xactimate line items and photographs and submits them directly to your Erie adjuster.
What if Erie 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 Erie 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.