Michigan Homeowner Guide — Insurance Claim Advocacy
Most homeowners leave tens of thousands of dollars on the table after a hailstorm. 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.
Before you file, Phase III can assess whether a claim is warranted. Not every hail event creates a covered loss — but many do, and carriers rely on homeowners not knowing the difference. We verify storm data, inspect the property, and advise on whether to file before you make a carrier call that can't be taken back.
Michigan insurance policies have time limits on hail and storm claims. Once you've decided to file, act quickly. Phase III assists with FNOL documentation to ensure the loss is described accurately and the storm event is properly tied to the claim.
Your carrier's adjuster will inspect the property. Standard hail inspections miss a significant percentage of functional damage — particularly on secondary components: pipe boots, HVAC units, gutters, exposed vents, and siding. Phase III attends with independent documentation and argues the full scope on the spot.
The carrier issues an estimate, typically at ACV with depreciation applied. Your policy likely entitles you to RCV — full replacement cost value — once repairs are completed. Phase III pursues the RCV difference, supplements every underpaid item, and challenges depreciation applied to components that don't qualify for it.
Phase III builds a Xactimate-based supplement, submits it directly to the carrier, and manages the negotiation. You don't talk to the adjuster during this process — we do. The goal is full replacement cost settlement before a shingle is touched.
Once the supplement is approved, Phase III executes the full scope — roofing, siding, gutters, windows, HVAC, structural repairs, and all affected exterior components. Builders License #262000615. One contractor, complete restoration.
Insurance Expertise
The gap between what carriers initially approve for hail damage and what a complete restoration actually costs is a known pattern in SE Michigan. Adjusters undercount impact hits, apply aggressive depreciation, exclude secondary components, and refuse code upgrades that Michigan law requires.
Phase III has been fighting this pattern for over 30 years. Our supplement documentation covers every component, every code trigger, and every coverage category your policy entitles you to. We don't accept the first estimate — and neither should you.
ACV to RCV conversion — recoverable depreciation carriers withhold is pursued and collected.
Complete secondary component documentation — gutters, HVAC, vents, skylights, soffits, and all exterior elements.
Code upgrade claims — Michigan Building Code triggers are compensable and documented.
Matching and uniformity — discontinued materials requiring full replacement are argued and documented.
Our Track Record
Why Phase III
Phase III brings 30+ years of SE Michigan hail claim experience, Xactimate documentation, and full restoration authority to every claim.
Phase III documents and restores every component of storm damage — from roofing and siding to HVAC units, windows, structural framing, and all exterior elements.
We've negotiated against every major SE Michigan carrier. We know their internal protocols and where initial hail scopes consistently underperform.
Based in Westland. Serving the full SE Michigan market since 1993. We know the storm patterns, the carriers, and what adjusters miss on Michigan hail claims.
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 settlement offer. Phase III reviews your hail or storm claim and pursues the full replacement cost value.
(734) 237-7322 — Call Now