Farmers Insurance Policyholders — SE Michigan
Phase III Construction has guided Michigan homeowners through Farmers Insurance hail and storm claims for over 30 years. We know Farmers' process, their documentation requirements, and how to get your roof restored right.
The Farmers Process
Understanding Farmers' internal process gives you an advantage. Here is the step-by-step sequence from filing through final payment.
Call 1-800-435-7764 or file online at farmers.com. You will receive a claim number immediately. Have your policy number ready and document the date of the storm event.
Farmers assigns a staff or independent adjuster who contacts you to schedule an inspection. Response times can vary by storm volume in your region.
The adjuster inspects your roof, siding, gutters, and other storm-affected areas. Documentation is critical at this stage — having a contractor present is your right.
Farmers prepares a detailed repair estimate using Xactimate software — the industry standard for insurance claims. Every line item determines what gets paid.
You receive an Explanation of Loss (EOL) detailing what is approved, the depreciation withheld, and your net payment. This document is the foundation for any supplement.
If the initial estimate misses items, a licensed contractor can submit a supplement. Farmers reviews supplements through their desk adjuster team under the same policy terms.
Documentation Standards
Farmers Insurance adjusters are known for thorough documentation standards. Meeting those standards from day one is how claims move forward without delay.
Farmers Insurance adjusters are known for thorough documentation requirements. Before approving a claim, they typically request:
Phase III documents every claim with professional-grade photography and Xactimate-formatted line items that match what Farmers' adjusters expect to see.
Farmers uses Xactimate pricing, which reflects regional labor and material costs. Our team reviews every Xactimate line item to ensure:
When Farmers' initial estimate is missing items, we submit a professional supplement with supporting documentation.
Full-Service Claims Support
From the first inspection through your final RCV payment, Phase III manages every step of your Farmers claim so you do not have to.
We audit every line of Farmers' estimate to catch omissions and underpricing before a single shingle is ordered.
Professional photography, measurements, and weather verification formatted precisely for Farmers' documentation requirements.
We prepare and submit supplements directly to Farmers' desk adjusters with full supporting documentation to close coverage gaps.
We source materials that match Farmers' approved specifications and manufacturer requirements — no shortcuts that could affect your warranty.
Michigan building code upgrades are captured in the claim and documented for Farmers — not passed to you as an out-of-pocket expense.
We coordinate with Farmers on your behalf, keeping you informed at every step with clear updates and no insurance jargon.
Michigan law gives you the right to select any licensed contractor to perform storm damage repairs — regardless of what Farmers Insurance recommends or what their Guaranteed Repair Program (GRP) suggests. You are never required to use a contractor from Farmers' network.
Farmers' Guaranteed Repair Program (GRP): Farmers offers a network of pre-approved contractors through their GRP. While this program offers a workmanship warranty backed by Farmers, participation is voluntary. Choosing a GRP contractor is not a requirement to receive your claim benefits. Michigan policyholders can work with any licensed Michigan contractor.
Phase III Construction holds Michigan General Contractor License #262000615 and is fully qualified to perform your Farmers-covered repairs.
Verify Our License & Get StartedUnderstanding Your Policy
The difference between ACV and RCV can mean thousands of dollars in your final claim settlement. Know which policy you have before repairs begin.
Common Questions
Everything Michigan Farmers policyholders ask us before getting started.
Most Farmers homeowners policies in Michigan include wind and hail coverage under the dwelling protection. Coverage depends on your specific policy terms, your deductible, and whether your roof is insured at ACV or RCV. Review your Declarations Page or call your Farmers agent to confirm coverage details before filing.
Farmers' Guaranteed Repair Program (GRP) is a network of pre-screened contractors that Farmers has approved. If you choose a GRP contractor, Farmers backs the workmanship. However, participation is entirely voluntary. Michigan homeowners have the right to choose any licensed contractor for their repairs, and your claim benefits are not affected by that choice.
Timelines vary, but the typical sequence runs 2–6 weeks from filing to initial payment. Adjuster scheduling, documentation review, and supplement processing each add time. Complex claims or supplement negotiations can extend the timeline. Phase III keeps the process moving by submitting complete, accurate documentation from day one.
Initial estimates sometimes miss items — particularly code upgrades, accessory components, or Xactimate line items that require contractor documentation to justify. When that happens, Phase III prepares and submits a professional supplement to Farmers' desk adjuster team. Supplements are reviewed under the same policy terms as the original claim.
If you have a Replacement Cost Value (RCV) policy, Farmers withholds depreciation on the initial payment. Once repairs are completed, you submit your final contractor invoice to Farmers, and they release the recoverable depreciation — typically within 2–4 weeks of submission. Phase III provides all completion documentation needed to trigger this payment.
Yes. We document the damage, review Farmers' Xactimate estimate, supplement where needed, perform the repairs, and provide the final invoice package to trigger your RCV release. You have one point of contact throughout.
Phase III Construction serves homeowners across Southeast Michigan including Westland, Canton, Plymouth, Ann Arbor, Ypsilanti, Dearborn, Livonia, Novi, Northville, Farmington Hills, Garden City, Inkster, Romulus, Wayne, Taylor, Allen Park, Lincoln Park, Melvindale, Dearborn Heights, Belleville, Van Buren Township, Saline, Milan, and surrounding communities.
Free inspection. No obligation. We know Farmers' process.
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