Phase III Construction works with Frankenmuth Mutual policyholders across Southeast Michigan — helping document storm and hail damage, navigate the claims process, and ensure your Xactimate estimate reflects your full scope of loss.
Understanding the claims process helps you make informed decisions at every step. Here is how a typical Frankenmuth Mutual residential storm damage claim proceeds in Michigan.
File your claim through your Frankenmuth Mutual independent agent or call Frankenmuth directly at 1-800-234-0375. Have your policy number ready and document the date of the storm event.
Frankenmuth assigns a claim number and schedules a field adjuster inspection. You will receive written confirmation of your claim number — keep this for all future correspondence.
A Frankenmuth adjuster inspects and documents the damage using Xactimate estimating software. You have the right to have your contractor present during this inspection.
You receive Frankenmuth's written estimate of covered damages. This document details every line item and its assigned value. Review it carefully — scope gaps are common at this stage.
Phase III reviews the estimate for scope gaps, missing line items, or undervalued materials. When items are missing, we prepare and submit a supplement directly to Frankenmuth's claims department.
Once the agreed scope is approved, Phase III manages your full restoration project — permitting, material sourcing, installation, and final inspection — from start to close-out.
Frankenmuth Mutual uses Xactimate — the industry-standard estimating platform used by most major property insurance carriers — to generate all residential property damage estimates. When a Frankenmuth field adjuster inspects your storm-damaged home, they enter their findings into Xactimate, which outputs a line-by-line estimate of covered repair costs.
Each line item in your Xactimate estimate represents a specific task or material — for example, "Remove and replace 3-tab shingles (per SQ)" or "Drip edge replacement (per LF)." The estimate assigns a unit cost and quantity to each item, producing a total settlement figure.
The challenge is that Xactimate estimates generated during a first inspection frequently omit items that are legitimately covered under your policy. Adjusters work quickly and under volume. Items like ice and water shield, step flashing at dormers and walls, code-required upgrades, and overhead and profit for general contractor involvement are regularly absent from initial estimates — even on straightforward hail claims.
Phase III reviews your Frankenmuth Mutual Xactimate estimate line by line and compares it against your documented damage, current Michigan building code requirements, and Xactimate pricing data. Where scope gaps exist, we prepare a written supplement and submit it directly to Frankenmuth's claims department. This process does not create adversarial friction — it is a standard part of how residential claims are resolved between adjusters, contractors, and carriers.
Both Phase III and Frankenmuth Mutual are Michigan companies. Our goal is an accurate, documented scope of loss that reflects what your property actually needs — not an inflated number, and not a shortchanged one.
From the first inspection through final close-out, Phase III manages every element of your Frankenmuth Mutual claim and restoration project.
Photo documentation, drone inspection, and damage mapping before any work begins. We create a full record of pre-repair conditions to support your claim.
Line-by-line review of your Frankenmuth estimate for scope gaps, missing line items, and undervalued materials. We compare against current Xactimate pricing and Michigan code requirements.
We prepare and submit supplements directly with Frankenmuth's claims department when scope gaps are identified. We track responses and follow up until resolution.
Michigan building code upgrades are documented and included in your estimate. Code compliance is a covered expense under most RCV policies and should not be absorbed by the homeowner.
We source matching materials and coordinate color and product approvals with Frankenmuth. Discontinued or discontinued-equivalent materials are documented for proper valuation.
Licensed GC oversight from permit through final inspection. Phase III coordinates all trades, manages the project timeline, and handles inspection sign-off.
Michigan law provides specific protections for homeowners navigating property insurance claims. Understanding these rights puts you in a stronger position throughout the process.
Michigan does not require you to use a contractor recommended or preferred by Frankenmuth Mutual. You have the legal right to select any licensed general contractor to complete your restoration work. Carrier-preferred contractor programs are optional, not mandatory.
If you believe Frankenmuth's initial estimate does not reflect the full scope of your damage, you have the right to request a re-inspection. Having a licensed contractor present with documented evidence of additional damage strengthens the basis for a revised estimate.
If you and Frankenmuth Mutual cannot agree on the amount of loss, most policies include an appraisal provision. Each party selects a competent appraiser; those appraisers jointly select an umpire. The appraisal process can resolve scope disputes without litigation.
Frankenmuth Mutual offers both Actual Cash Value (ACV) and Replacement Cost Value (RCV) policies. ACV policies deduct depreciation from your settlement — you receive the current depreciated value of the damaged components. RCV policies pay the full cost to replace with like kind and quality once work is complete and receipts are submitted. Check your declarations page to confirm which coverage you carry.
Any scope changes or additional damage discovered during the course of repairs can be supplemented — submitted as an additional claim to Frankenmuth. Supplements are a normal part of the claims process and are not considered adversarial. Phase III handles all supplement preparation and submission.
Michigan insurance law requires carriers to acknowledge claims promptly, conduct reasonable investigations, and issue payment on undisputed portions of a claim within specified timeframes. If you believe your claim is being unreasonably delayed, consult with a licensed Michigan public adjuster or attorney.
Common questions from Frankenmuth Mutual policyholders navigating storm and hail damage claims in Michigan.
Schedule a free inspection. Phase III documents your damage, reviews your estimate, and manages your full restoration from start to finish.
Phase III Construction serves homeowners across Southeast Michigan. If you have a Frankenmuth Mutual policy and storm or hail damage, we cover your area.