Michigan Homeowner Guide — Insurance Claim Advocacy
Most homeowners leave tens of thousands of dollars on the table after a house fire. Not Phase III clients. Here's how we make sure your policy pays every dollar it owes — and what happens at every step of the way.
How We Work
Phase III manages every step from first call through final rebuild.
A house fire doesn't just damage your property. It creates immediate pressure to act fast — from the carrier, from contractors who show up uninvited, and from the situation itself. The first thing Phase III tells every client: don't sign any authorization or release until you've had the full scope documented. What you sign in the first 48 hours affects your entire claim.
Report the fire to your insurance carrier and get a claim number. Michigan carriers have response time requirements once a claim is filed. Phase III can assist with FNOL documentation to ensure the loss is reported accurately and completely from the start.
Your carrier will schedule an adjuster inspection. What the adjuster produces is not a final estimate — it's a starting point. Adjusters miss structural damage, underestimate smoke migration, skip HVAC contamination, and frequently omit code upgrade requirements. Phase III attends every adjuster inspection with independent documentation.
The carrier issues an ACV (actual cash value) estimate with depreciation applied. Phase III reviews every line item, identifies every underpaid or missing item, and prepares a formal supplement using Xactimate. We submit directly to the carrier and manage the negotiation.
Fire policies include coverage categories that adjusters frequently omit: Additional Living Expenses (ALE) for temporary housing, Code Upgrade coverage for triggered building code requirements, and Contents coverage for personal property. Phase III documents and pursues every category your policy covers.
Phase III pursues full replacement cost value before any restoration work begins. Once the claim settles, we execute the complete restoration — structural rebuild, smoke remediation, interior finishes, and all exterior components. You pay your deductible; we're paid from proceeds.
Insurance Expertise
Adjusters work for the insurance company. Their job is to settle claims efficiently — not to ensure you receive every dollar your policy covers. The initial estimate reflects the carrier's interest, not yours. Phase III documents the full scope, pursues every applicable coverage category, and fights back when the carrier's number falls short.
Over 1,000 fire damage claims handled. Over $10 million recovered for SE Michigan homeowners. Phase III's supplement process is built on 30+ years of knowing exactly where carriers underperform on Michigan fire claims.
ALE coverage — temporary housing and living expenses while your home is uninhabitable are claimable.
Code upgrade documentation — fire repairs triggering Michigan Building Code upgrades are compensable.
Contents inventory — all personal property affected by fire, smoke, and water is documented and claimed.
Supplement filing — Phase III pursues every dollar the initial carrier estimate misses.
Our Track Record
Why Phase III
Phase III handles the documentation, the supplement, and the complete reconstruction. You don't manage multiple contractors or argue with adjusters.
Builders License #262000615 covers the full fire restoration scope: structural rebuild, smoke remediation, interior finishes, roofing, and all exterior components. One company, start to finish.
Phase III has handled over 1,000 insurance restoration claims in SE Michigan. We know how carriers approach fire claims and how to document against their standard underpayment patterns.
Over 30 years in Wayne, Oakland, Washtenaw, and Livingston Counties. When you call Phase III, you're talking to the people who will actually do the work.
Service Area
We serve Wayne, Oakland, Washtenaw, and Livingston Counties — 49 cities total. From Livonia to Auburn Hills, Westland to Ann Arbor. Day or night, weekends and holidays.
View All Service Areas →Don't accept the first estimate. Phase III reviews your claim, supplements what's underpaid, and handles the complete restoration.
(734) 237-7322 — Call NowInsurance Carriers
Filing a fire damage claim? We know how each major Michigan carrier prices, documents, and reviews fire losses. Find your carrier's claim guide: